First Loan, Personal Loans Ireland, Loan Online | 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

Enter a couple of details below to estimate your repayments

How much:

How long:


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. The APR quoted for hire purchase is based on a typical loan with a fixed interest rate. For hire purchase, a documentation fee of €63.49 will be charged with the first repayment and an additional purchase fee of €12.70 payable with the final repayment. Additional fees may apply for early repayment of a fixed rate agreement or if an account falls into arrears.  

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:

      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:

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        Choose a slot

        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.

        Thank you

        We will be in contact with you shortly to go through the next steps.

        First loan

        This loan is specifically designed for you if you’re starting out. First loan can offer you up to three times your monthly salary – a little help if you’re just getting started in a new job, new home or new city. 

        Here’s what you need to know

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          Borrow up to three times your monthly salary, between €1,000 and €8,000.

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          Loan terms from six to 60 months, or up to the end of your job contract.

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          Set your own repayment schedule: weekly, fortnightly or monthly. You can take one month off repayments a year – just let us know at the time of loan application. This repayment option may affect the amount and/or term of the loan.

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

        Are you suitable for a first loan?

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          It’s available if you’re between 18 and 30 years old.

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          You’ve already had at least one month’s salary (€1,500 or more) paid into an AIB Current Account. You may be asked to provide us with a copy of your job contract.

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          You have met all your direct debits and standing orders in the last six months.

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          It’s your first time to borrow and you have not held a loan with us before (other than a student loan).

        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 first loan interest rates at 8.65% and 8.95% 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 8.65% and 8.95% APR (Annual Percentage Rate), where the interest rate and APR does not vary during the term, has 12 monthly instalments of €130.48 and the total cost of credit (the total amount repayable less the amount of the loan) is €65.76.

        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 example, we may need to see your job contract. 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 in the future.

        Common questions

        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?