WE BACK DOING
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?
Apply online now
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.
Once we approve your loan and you request your money, we will put the money into your Current Account
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.
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.
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.
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.
Practical and useful information to help you get ready and manage your AIB borrowings.
Personal loans fact sheet
All you need to know about our loans at a glance.
Personal lending interest rates
Full transparency on the rates we charge.
Managing your personal borrowings
Start improving you financial situation now with this practical guide.
Information about phone and online applications.
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.
A credit card can be very useful. It gives you the freedom to do what you need to do, when you need to do it.
Knowing you can use more money if you need it. A Personal Overdraft gives you an extra balance on your current account that you can use temporarily.