Sometimes the idea of getting a loan can be daunting so we developed the AIB First Loan especially for you - 18 to 30 year olds! To get you started, we will guide you through the process, keep it simple and get you on your AIB First Loan journey.


We can help you:

  • find out how much you can borrow,

  • answer your questions here, or in a branch

AIB First Loan - What you need to know?


  • You can borrow up to 3 times your net monthly salary, from €1,000 to €8,000

  • Pay it back over a term from 6 to 60 months or up to the end of your job contract whichever is shorter

  • Choose from weekly, fortnightly or monthly repayments

  • Planned repayment holidays available when you take out your loan. You can request to take a repayment break at a set time every year, e.g. at Christmas, so your annual loan repayments are spread over 11 months instead of 12. This repayment option may impact on the amount and/or term of the loan and is only available if requested during loan application

  • No charge for unscheduled repayments - that means, we won’t charge you extra if you make a payment to your loan outside of your normal scheduled repayment

  • Competitive Interest rate at 8.95% APR (Annual Percentage Rate)

  • Call 1890 724 724 (our lines are open Monday to Friday 9am – 5pm) or drop into your local branch, whichever is easiest for you

  • Of course there are terms and conditions to our loans, we will tell you more about these when you apply. 

Who can apply?

To apply for an AIB First Loan, you need to:


  • be aged between 18 and 30

  • have your salary paid into an AIB account and have had at least one month’s salary (minimum €1,500) paid into it

  • have met all your direct debits and standing orders on your account in the last six months

  • provide us with a copy of your job contract if we ask you to

  • have not held a loan with us before (other than a student loan)


We’re here to help, on the phone or in your local branch.

First Loan Calculator

Get a quick quote for a First Loan

  • Select term(months)..
  • 6
  • 12
  • 18
  • 24
  • 36
Select term(months)
Monthly Repayments:
Total amount repayable:


To apply, call 1890 724 724 or book an appointment

Note: 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 our calculators unless it is being provided as part of a product application. The results are the current offered rate for Personal Loans, which is variable. The total amount repayable is based on the assumption that the interest rate remains unchanged for the duration of the loan term.

The minimum loan amount is €1,000 and the maximum is €8,000.


A typical €1,500 one year loan with a variable interest rate of 8.65% and 8.95% APR (Annual Percentage Rate), where the APR does not vary during the term, will have monthly repayments of €130.48,  and a total cost of the credit (the total amount repayable less the amount of the loan) of €65.76.

Related Products

Personal Overdraft

Giving you peace of mind that additional funds are available if you need them.

AIB Credit Cards

Designed to fit your budget and financial needs.

Help & Guidance

About our loans
General information about our personal loans


Personal Lending Interest Rates

These are the rates we charge.

Information on your Distance Contract

We recommend you read this before you borrow.

Help Centre

For service please visit our Help Centre.

Related Products / Contents

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 in the future.

Live Web Chat
Live Web Chat