How to apply through Online Banking for a payment break on your personal loan



1. Login

If you're registered for Internet Banking, login to your account. (Coming soon to the AIB Mobile App.) 


2. Select

Go to the ‘Services & Settings’ Menu.



3. Apply

Select COVID-19 Payment Break and complete the Application process.                                                

How we are supporting personal loan customers

If your income is impacted due to COVID-19 (or you expect it to be impacted) and you believe you will be unable to make your loan repayments, you can apply for a 3 month personal loan payment break.

In certain circumstances, there are other options available including:

    - up to 12 months interest only payments, or;

    - 6 month moratorium on repayments.


If you have a Car Finance or Financing & Leasing Facility

We are currently working on specific ways to support you, including scenarios where repayments have already been charged to customer accounts. Please bear with us while we work on this. If you have already been in touch there is no need to re-submit your request. Once these ways of supporting you become available we will be in contact with you. Thank you for your patience and understanding.


For your information, you may be eligible to make a claim if you have 3rd Party Income Protection or Payment Protection Insurance on your Personal Loan. Contact your insurance provider directly for more details and have your policy number to hand.

Some other solutions for our Personal customers

  • Concerned about payments

    We understand that nobody plans for an event like this. You’re not on your own. If you're worried about making repayments the important thing is not to ignore money problems, as they usually get worse if you don’t act. So, the first step is always to realise that if you’re worried, you need to do something.

    Find out more.

  • Understanding your Irish Credit Bureau(ICB)/Central Credit Register (CCR) impacts

    In these uncertain times, we are here to support you.  Our COVID 19 Personal Loan solution of a 3 month payment break has been  designed to ensure your credit records will not be negatively affected by the application of the payment break.

    Talk to us early to find out how we can find the right solution for you and ensure your credit performance continues to remain in good shape.   For all other products and circumstances  our reporting requirements to ICB and CCR are unchanged.

  • Contact us

    Personal lending queries

    AIB: 1890 724 724

    Opening Hours:

    Mon-Fri: 9am to 5pm