Loan Eligibility Calculator Ireland
See how much you can borrow in Ireland on your salary in EUR, and what Ireland banks actually require before they approve you.
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Borrowing requirements in Ireland
What you can borrow in Ireland is set by your income in EUR and your existing commitments. Buzdy holds published eligibility terms for 6 lending products from 4 banks in Ireland — the real requirements are listed below.
Looking for a credit card in Ireland?
Compare what banks in Ireland actually offer — rates, fees and eligibility, updated for 2026.
Credit card eligibility in Ireland
| Card | Bank | Minimum income | Minimum age | Salary transfer |
|---|---|---|---|---|
| AIB Click Visa | AIB | Minimum Qualifying Salary: €16,000 | 18 | — |
| AIB Platinum Card | AIB | Minimum Qualifying Salary: €40,000 | 18 | — |
| AIB Be Visa | AIB | Minimum Qualifying Salary: €16,000 | 18 | — |
| BOI Classic Visa | Bank of Ireland | Salary requirement €16,000 | 18 | — |
| BOI Platinum Card | Bank of Ireland | Salary Requirements: 40,000 | — | — |
| BOI Aer Credit Card | Bank of Ireland | Salary Requirements: 16,000 | — | — |
6 cards state a minimum income or minimum age. Income figures are in EUR unless the bank says otherwise.
Banks we track in Ireland
Keep going in Ireland
Guides for Ireland
Ireland — frequently asked questions
What is the minimum salary for a loan in Ireland?
Published minimum income requirements in our Ireland data include Minimum Qualifying Salary: €16,000; Minimum Qualifying Salary: €40,000; Salary requirement €16,000; Salary Requirements: 40,000. Banks also look at your existing monthly commitments, not just gross salary.
What is the minimum age to borrow in Ireland?
Minimum ages stated by the products we track in Ireland include 18.
Do I need to transfer my salary to get a card or loan in Ireland?
Not always — 6 of the 12 cards we track in Ireland state that a salary transfer is not required. Transferring your salary to the lender often gets you a better rate anyway.
How much can I borrow on my salary?
Most lenders cap total monthly repayments at roughly 50% of monthly income (the debt burden ratio). The checker above applies that rule to the salary and existing repayments you enter, then converts the spare capacity into a maximum loan.