Lending criteria, terms and conditions apply. Credit facilities are subject to repayment capacity and financial status and are not available to persons under 18 years of age. Security may be required. A typical €5,000 five year loan with a variable interest rate of 4.50% and 4.59% APR (Annual Percentage Rate), where the APR does not vary during the term, would have monthly repayments of €93.22 and the total cost of credit (the total amount repayable less the amount of the loan) would be €593.20.