We all have that thing we’d love to do.
Loans from €1,000 approved in 3 hours*.
Flexible loan terms from 1 to 5 years
Apply online, in branch or by phone for amounts from €1,000 - €30,000 to receive a decision in 3 hours*. For amounts up to €75,000 you can apply in your branch or by phoning us on 1890 724 724.
Competitive Interest rate for new loans at 8.95% APR). The standard lending rate is available on amounts up to €50,000
No penalty for unscheduled repayments.
If you are not registered for AIB Phone & Internet Banking, or not currently an AIB customer, you can still apply for a Personal Loan online just click the ‘Not registered for Internet Banking? – Apply here’ button and fill out the online application form.
* 3 hour loan decision applies to fully completed new personal loan applications processed within 3 hours 9am-5pm, Mon-Fri excl. bank holidays. Loans from €1,000-€30,000. Excludes applications: to restructure or clear existing AIB credit facilities; received through Branch and referred to a lender for review, from customers in financial difficulty; for Student and First loans; applications through Business Centres; or where total borrowings exceed €100,000 (excluding Home Loan debt up to €600,000).
Registered for AIB Internet Banking? Click here to apply
Not Registered for AIB Internet Banking, not currently an AIB customer or want to apply for more than €30,000? Click here to apply
Branch: Drop into your local branch, they'll help you with the application.
Phone: 1890 724 724
Click here for more advice about planning the rest of your finances.
Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.
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 €1,500 one year loan with a variable interest rate of 8.65% and 8.95% APR (Annual Percentage Rate), where the APR does not vary during the term, would have monthly repayments of €130.48 and the total cost of credit (the total amount repayable less the amount of the loan) would be €65.76.