Loans | GIHAM

Personal Loan

Loans available from €2,000 to €50,000 for a 25 years term
Quick decision, you could receive immediate funds
No setup or arrangement fees
GIHAM Advance customers could get 10% cashback

The rate is subject to change and the representative APR may not be the rate you'll receive. We'll offer you a rate based on our assessment of your personal financial circumstances. The maximum APR you could be offered is 21.9%.

Are you eligible?

To be eligible for a Personal Loan you need to:

have a GIHAM account or building society account with a Direct Debit facility
have an annual income/pension before tax of €10,000 or more
be over 18 and a resident of the EU

Not available for customers with a Basic Standard Account.

We do not offer our Personal Loans for a number of purposes including:

The purchase of property or land including holiday homes and apartments
Purchasing a joint stake in a property or buying out a joint owner
Mortgage deposit (regardless of lender or country)
Gifting funds to third parties to support the purchase of a property, including mortgage deposit, stamp duty and solicitors fees

In addition, our Personal Loans should not be provided for:

Gambling
Business purposes
Share dealing

Please note that this list is not exhaustive.

Our Personal Loans are subject to status.

View details

2% APR Representative

for loans between €7,000 and €15,000.

GIHAM Advance Personal Loan

Exclusively for GIHAM Advance customers
Loans available from €2,000 to €50,000
Quick decision - you could receive immediate funds
No set up or arrangement fees
Make unlimited overpayments free of charge

The rate is subject to change and the representative APR may not be the rate you'll receive. We'll offer you a rate based on our assessment of your personal financial circumstances. The maximum APR you could be offered is 21.9%.

Are you eligible?

To be eligible for a GIHAM Advance Personal Loan you need to:

Hold a GIHAM Advance Account – for further information please click here
You are 18 years or older
Your residential address is within the EU

We do not offer Personal Loans for a number of purposes including:

The purchase of property or land including holiday homes and apartments
Purchasing a joint stake in a property or buying out a joint owner
Mortgage deposit (regardless of lender or country)
Gifting funds to third parties to support the purchase of a property, including mortgage deposit, stamp duty and solicitors fees

In addition, a GIHAM Advance Personal Loan should not be provided for:

Gambling
Business purposes
Share dealing

Please note that this list is not exhaustive.

Our Personal Loans are subject to status.

View details

2% APR Representative

for loans between €7,000 and €30,000.

Graduate Loan

Exclusively for current account customers within 5 years of graduating
Loans available from €1,000 to €25,000
Quick decision - you could receive immediate funds
No set up or arrangement fees
Make unlimited overpayments free of charge

The rate is subject to change and the representative APR may not be the rate you'll receive. We'll offer you a rate based on our assessment of your personal financial circumstances. The maximum APR you could be offered is 21.9%.

Are you eligible?

To apply for a Graduate Loan, you need to:

Have a current account
Be 18 years or older and a EU resident
Have an annual income/pension before tax of €10,000 or more
Be within 5 years of graduation

Please note, we may ask you to provide proof of your graduation when you apply.

Available for 5 years after graduation to customers who are currently (or were previously) on our Graduate service.

View details

2% APR Representative

for loans between €5,000 and €25,000.

Flexible loan

Loans available from €500 to €5000
Only pay for what you use - if you don't use your Flexible loan, you don't pay anything
Choose your monthly repayment on your outstanding balance from 4% - 10%. Minimum payment applies
No set up or arrangement fees
Re-draw your available balance up to the limit. Once you've repaid your Flexible loan, you can redraw the available balance

The rate is subject to change and the representative APR may not be the rate you'll receive. We'll offer you a rate based on our assessment of your personal financial circumstances. The maximum APR you could be offered is 21.9%.

Are you eligible?

To apply for a Flexible loan, you need to:

have a current account
be 18 years or older and a EU resident
have an annual income/pension before tax of €10,000 or more

View details

17.9% APR Representative

for loans between €5,000 and €25,000.