Student Loans, Education Loan for Students, Loans Ireland | AIB

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

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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:

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    To apply by phone you’ll need to be:

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      Our phone lines are now available Monday to Friday 09:00 to 17:00 (excluding Bank Holidays)

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        By providing your contact details to us on this form you are confirming your consent to receiving communication from us in relation to this appointment.

        The information supplied by you on this form will be held and used solely by AIB for the purposes of responding to your request.

        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.

        Student loans

        Have you got a place on the college course you’ve always dreamed of? If you’re starting out or mid-way through your third level education, a student loan can help you manage the costs. We’ll help and support you through the process, so you can take on your dream course in your stride. See what you could borrow using our calculator.

        Here's what you need to know

        Student loan

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          Borrow between €600 and €50,000 – when you have a Student Plus account.

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          Loan terms from one to five years.

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          Student loans are available at a discounted rate in branch or direct channels 0818 303 203.

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          Full-time students with or without a small income may need a suitable co borrower to apply with greater repayment capacity.

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          There are no penalties if you ever decide to make an extra repayment during summer holidays or at times when you’re not studying.

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          Students aged at least 19 can now apply online for a personal loan with loans starting from €1,000. Student rate will apply.

        Student Contribution Charge loan

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          Borrow between €600 and €3,000 for each year of your course (up to four) to cover the cost of your Student Contribution Charge and other fees.

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          Make interest-only repayments while you study. When you complete your course, you will begin making full repayments. This may appear cheaper in the short term but will be more expensive over the loan term.

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          Loan terms up to five years after your course ends. Making minimum monthly repayments for the duration of your course (up to four years) will make your loan more expensive in the long run.

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          There are no penalties if you ever decide to make an extra repayment or repay your loan earlier than planned.

        How our loans work

        We want you to have all the information you need to borrow confidently. Here are a few points to consider.

        Understanding our rates

        Our student loan interest rates at 8.15% and 8.45% APR (Annual Percentage Rate) are some of the most competitive and consistent on the market, but they are variable. If your rate changes, your repayment amounts stay the same. So, if the rate rises during the loan term, you will have to make extra payments at the end of the term, and if the rate falls, you might pay off your loan sooner.

        A representative example for you:

        A typical €1,500 one-year loan with a variable interest rate of 8.15% and 8.45% APR (Annual Percentage Rate), where the interest rate and APR does not vary during the term, has 12 monthly instalments of €130.16 and the total cost of credit (the total amount repayable less the amount of the loan) is €61.92.

        How to apply

        For some of our loans, including this one, applications are by phone or in person only. That’s because we need a little bit more information in order to approve the loan. For instance, you may need a co borrower. Applications over the phone or in person take a few minutes, and we’ll help guide you through the process. Give us a call on 0818 724 725 or use our calculator to see how much you could borrow and ask for a call back.


        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, a hire- purchase agreement, a consumer-hire agreement or a BNPL agreement in the future.

        Looking for something else?

        We design personal loans to get our customers doing. Whether you’re renovating your home, going green, buying a car, looking to invest in your education or taking the trip of a lifetime, we can make your plans a reality.

        Need help?