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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

How much:

How long:

Weekly
Fortnightly
Monthly

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

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    iOS image with QR code
    Android image with QR code
    Android image with QR code

    To apply by phone you’ll need to be:

      Preferred contact time

      Call centre working hours:

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

      Personal details

      To apply in your branch you’ll need to be:

        Choose branch

          Choose a slot

          Branch opening hours:

          Branch opening hours:

          Your details

          Regulatory information:

          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.

          Need help?

          Need help?

          We all have that thing we'd love to do

          If you’re looking for a loan and you’re already a customer with us, we can give you an answer quickly and easily.

          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? 

          Apply online for a loan 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..

          Personal Lending Interest Rates

          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

          See how much you can borrow

          Help centre

          • How much can I borrow?

          • How do I apply for a loan?

          • When do I get my money?

          • What can I use the money for?

          View help centre

          Useful links

          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 loans overview (PDF, 1 page, 73.4KB)

          Personal lending interest rates

          Full transparency on the rates we charge.

          Review personal loan interest rates.

          Managing your personal borrowings

          Start improving you financial situation now with this practical guide.

          Some tips on managing loans.

          Distance Contract

          Information about phone and online applications.

          Distance contract (PDF, 2 pages, 910KB)

          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.

          Log in to Internet Banking

          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.

          Calculate my loan

          Not right for you?

          Explore other ways to borrow.

          Credit card

          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. 

          Overdraft

          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. 

          Green Personal Loan

          With a lower rate green personal loan, you can make your new car or home improvements a sustainable choice.

          Regulatory information

          Lending criteria, terms and conditions apply. Personal loans are only available to over 18s. Subject to approval. Security may be required.

          * The three-hour decision applies to fully completed, new personal loan applications processed between 9:00 and 17:00, Monday to Friday excluding bank holidays. It applies to AIB Standard Personal loans from €1,000 - €30,000 and one to five year terms and SBCI Home Energy Upgrade Loan Scheme from €5,000 - €75,000. Excludes applications to restructure or clear existing AIB credit facilities; applications referred to lender for review; from customers in financial difficulty; for student and green personal loans. 

          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, a hire- purchase agreement, a consumer-hire agreement or a Buy Now Pay Later (BNPL) agreement in the future.

          Need help?

          Need help?