Tailor your loan
If you're looking for a little something extra or planning for the future, you can turn your plans into reality with a loan. Please choose the option that works best for you.
Calculate your repayments
Enter a couple of details below to estimate your repayments
This information is provided for illustrative purposes only. It does not constitute a contract. We are not recording and will not use the information quoted by you in this calculator. The results are based on the current offered rate for the loan type selected, which is variable. Certain assumptions have been made when calculating these amounts including that the loan is drawn down today and that the first repayment is made based on the frequency you have selected. If you have selected a monthly repayment frequency and you are using this calculator on the 29th, 30th or 31st of a month which precedes a month which doesn’t have the same number of days, it is assumed your first repayment will be the last day of the following month. Any change in the interest rate, drawdown day, first repayment date, or repayment frequency will change these figures. The total amount repayable and cost of credit are based on the assumption that the interest rate remains unchanged for the duration of the loan term. The APR quoted for personal loans is based on a typical loan with a variable interest rate in line with the loan type selected and is not specific to the loan details you have entered. Additional fees may apply for early repayment of a fixed rate agreement or if an account falls into arrears..
Have you received One Stop Shop Document?
Select the correct option based on whether or not you have received one stop shop document.
Are you already an AIB customer?
Select the correct option based on whether or not you have an AIB Current Account.
The amount you can borrow is based on your capacity to make regular repayments. It's important not to overstretch your payments and to consider the possibility of unexpected expenses.
Loan application
Choose how you wish to apply.
To apply online you’ll need to be:
Please choose your mobile platform
To apply by phone you’ll need to be:
Over 18
To apply, please call us on 0818 724 725, opening hours 9:00-17:00 Monday-Friday.
Thank you
We will be in contact with you shortly to go through the next steps.
What you'll need
To help us assess your ability to repay the loan, and to confirm your identity, we may ask you to provide some of these documents:
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Your ID (for example, a passport or drivers licence)
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Proof of your home address (for example, a utility bill or bank statement)
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An original or electronic version (for example, a PDF or photo) of a document showing your Personal Public Service Number (PPSN) or Tax Reference Number (TRN) and full name. For a full list of acceptable documents and more information on how to provide it, visit www.aib.ie/ccr
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Your current employment details, if you’re in work
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Your annual income and monthly expenses
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Details of any other loans you have
Your loan factsheet
All you need to know about our loans at a glance.
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Turn your plans into reality with our personal loans
Whatever you're planning for the future - investing in your education, a new car, home improvements or that trip of a lifetime - you can turn your plans into reality with a personal loan.
How our loans work
Online loans from €1,000 to €30,000 approved in 3 hours *
No matter what you’re dreaming of doing next, we can help make it real with loans from €1,000.
Already know what you can borrow?
Standard lending rate at 8.95% APR up to €50,000
For loans over €50,000, call 0818 724 725 or contact your local branch..
Take a break, with a loan repayment holiday
You can ask to take a repayment break at a set time every year, for example at Christmas, so your annual loan repayments are spread over 11 months instead of 12. This repayment option may affect the amount and/or term of the loan and is only available if you ask for it at the time you apply.
Pay off your loan early with extra payments
There are no penalties if you ever decide to make an extra repayment.
Get doing
Once we approve your loan and you request your money, we will put the money into your Current Account
Help centre
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How much can I borrow?
If you’re looking to borrow between €1,000 and €30,000, applying online takes just a few minutes, and you can get a decision within three hours. For loans over €30,000, call 0818 724 725 or contact your local branch.
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How do I apply for a loan?
If you’re applying for a loan between €1,000 and €30,000 and you’re already a customer with us, you can apply through Internet Banking or the AIB App. If you’re a joint applicant, new to AIB or you’re looking to borrow a larger amount (from €30,000), you’ll need to ask for a call back so we can talk you through the process. In any case, see what you can borrow using our calculator.
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When do I get my money?
Once we approve your loan and you request your money, we’ll send the money straight to your Current Account.
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What can I use the money for?
Unless you’re taking out a green personal loan, there are no restrictions on what you use the money for.
Useful links
Practical and useful information to help you get ready and manage your AIB borrowings.
How to apply
Already an AIB customer
Apply through Internet Banking or the AIB App for loans from €1,000 to €30,000.
Online applications take a few minutes to complete.
For larger loans, apply by phone or in branch.
Not yet an AIB customer
You’ll need to apply by phone (0818 724 725) or in branch.
Use the calculator to see how much you could borrow.
Not right for you?
Explore other ways to borrow.
Regulatory information
Before proceeding please read our Site Use Terms and Conditions, Privacy & Cookie statements which apply to your use of this website. AIB and AIB Group are registered business names of Allied Irish Banks, p.l.c. Registered Office: 10 Molesworth Street, Dublin 2.
