Personal Finance for Graduate Account holders

Our Graduate Finance package is designed to give you the head start you need as you make the transition from university to working life and to support you with your banking needs. 

Who can apply?

The AIB Graduate Finance package is available to AIB Graduate Account holders. An AIB Graduate Account can be opened by anyone who holds an AIB Student Plus Account and has graduated from full-time third level education in the last two years, or anyone new to AIB who has graduated from a full-time third level course of three years duration or more in the last two years.

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AIB Graduate Finance Options

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    First Loan - not just limited to Graduates

    There is always a first time for everything. Make today your day for exploring new avenues with the help of a flexible First Loan. We have developed a First Loan to keep you in control of your finances. The loan is available to anyone who is aged between 18 and 30. Applying for a first loan can be a daunting process and we are here to help you take this important step.


    To be eligible you must:

    • Be aged between 18 and 30 years old

    • Your salary is paid into your AIB account and at least one month’s salary (minimum €1,500) has been received

    • Have no unpaid items on your account in the previous 6 month period

    • Provide a copy of your contract - if required

    • Must not have held a Personal Loan before (excludes student loans)



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

    • Choose a term from 6 to 60 months, or up to the end of your working contract whichever is shorter

    • You can choose from weekly, fortnightly or monthly repayments

    • Apply in branch or on the phone, whichever is easier for you

    • Competitive Interest rate for new loans at 8.95% APR

    Lending criteria, terms and conditions apply. Credit facilities are subject to repayment capacity and financial status and are not available to persons under 18 years of age.


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

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    Interest Free Overdraft (up to €1000)

    You can apply for an interest free overdraft of up to €1,000 and you won’t have to pay the Standard Overdraft Facility Fee of €25.39, while you hold an AIB Graduate Account.

    Only authorised balances of up to €1,000 will not be charged debit interest. Any balances over €1,000 will be subject to the Bank's Standard Variable 'A' Personal Overdraft Rate currently 11.85% Interest Rate, subject to variation.

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Get a Quick Quote for a Personal Loan

  • Select term(months)..
  • 12
  • 24
  • 36
  • 48
  • 60
Select term(months)
Monthly Repayments:
Total amount repayable:

Click here to apply now

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 based on 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.

For loan amounts greater than €50,000 contact your Relationship Manager or local branch.

Talk to Us

Simply call the dedicated AIB Graduate Centre on 0818 303 203 (lines are open Monday to Friday 8am – 9pm and Saturday 9am – 6pm), or drop into any AIB branch. We’ll be happy to answer any questions you may have about applying for Graduate Finance with AIB.

Help and Guidance

Personal Lending Interest Rates

View our current rates charged on lendings.

Important information on your Distance Contract

AIB strongly recommends that before purchasing this product you read the Important Information on your Distance Contract.

Help Centre

For all service related queries please visit our Help Centre.

Other Information

Lending criteria, Terms and conditions apply. Credit facilities are subject to repayment capacity and financial status and are not available to persons under 18 years of age.  
Allied Irish Banks, p.l.c. is regulated by the Central Bank of Ireland.

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