*Example of a personal loan for a total amount of €1,000, repayable in 72 monthly instalments of €15.35 (excluding optional insurance). Fixed annual percentage rate (APR) of 6.83% (excluding optional insurance). Fixed borrowing rate of 3.35%. Fees of €90.00. Total cost of borrowing: €195.20 (including service fees). Total amount owed by borrower: €1105.20. The monthly cost of insurance in case of death, permanent incapacity, loss of earnings owing to an accident or illness and periods of unemployment is €1.50, giving an effective annual interest rate of 3.62% and making the total amount owed €108.00. This is added to the monthly loan repayments. The first repayment date is between 30 and 60 days from the receipt of loan funds and the monthly instalments are collected on the fourth of each month. Offer valid as of 29/11/2017.