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BOV Personal Financing
Do you need financing? Whether it is to buy a car, a home or finance your studies, we at BOV can help you. Find out how.
BOV Personal Loan

The BOV Personal Loan provides affordable, customised solutions designed to satisfy your financing requirements to purchase home and garden furnishings, small boats, antiques and collectibles, plus finance costs relating to home improvements, travel, cosmetic surgery and other one-off personal requirements.

Terms & Conditions
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With a BOV Personal Loan, you can fulfil your dreams and your personal requirements. Discuss with us so that we can assist you in selecting the best financing option.

Amount borrowed

A BOV Personal Loan is all you need to accomplish your dreams. Shaped to suit your needs, the BOV Personal Loan provides affordable, customised solutions, designed to satisfy your purchasing requirements. The BOV Personal Loan may be granted without any security. You can borrow any amount from €1,000 to €40,000. Repayments generally span up to a maximum period of 5 or 7 years. For loans amounts of €10,000 or over, the maximum term may be extended up to 7 years, provided that:
  • term of the loan is in line with the purpose of the loan and the expected life of the asset being financed, and
  • term of the loan does not go beyond borrower's retirement age.

Whilst the loan is repayable by monthly instalments, the amount you pay every month is determined by the sum you borrow, the selected term and the applicable rate of interest.

Applying for the loan

To apply for the BOV Personal Loan, you need to be:

  • over 18 years of age, and 
  • in full-time employment.
We shall ask you to provide us with a formal confirmation of your income and expenditure. As evidence of income, we shall request copies of your latest three payslips and FS3 for the previous year. If you are self-employed, we would require copies of your Profit and Loss Accounts and Tax Statements issued by the Inland Revenue Department for the past two years.

Your proof of identity is always required when contacting the Bank.

A BOV Personal Loan means all this:

  • a fast and flexible solution to obtain financing for your furnishings, leisure and other acquisitions for your immediate enjoyment 
  • an unsecured loan of up to €40,000 or a secured loan that would enable you to benefit from a discounted interest rate; 
  • full finance for your acquisition; 
  • you may pay off the loan at any time with no early repayment fee; 
  • administer and monitor your account by means of BOV 24X7 Services
Apply now and you’ll benefit from:
  • Low processing fee 
  • Loan term that may be extended up to 7 years for loan amounts of €10,000 or over (subject to terms and conditions)
  • Free Life Cover 

Loan Repayment

Personal loans are repayable by monthly instalments, and the amount you pay every month is determined by the sum you borrow, the selected term and the applicable rate of interest. If you decide to repay the loan before the stipulated term, whether in one lump sum or by increasing your monthly instalments, no penalties or additional fees apply. Direct credit of your salary to an account held with BOV is required.

All loans are subject to normal bank lending criteria and final approval from your BOV branch. Terms and Conditions apply.

Click here for the current Consumer Lending Bank Base Rate
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If you want more details about the BOV Personal Loan, you may click on the Live Help. One of our representatives will be able to help you immediately.

Click here to apply online

Alternatively, you may
  • call our Customer Service Centre on 356 2131 2020 
  • send us an e-mail at
  • click on the ‘Get in Touch’ icon on the right hand corner and submit your query and contact details. We shall contact you as soon as possible 
  • visit the BOV Branch of your choice.
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BOV Personal Loan
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Bank of Valletta p.l.c. is a public limited company regulated by the MFSA and is licensed to carry out the business of banking and investment services in terms of the Banking Act (Cap. 371 of the Laws of Malta) and the Investment Services Act (Cap.370. of the Laws of Malta).