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
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..
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
Thank you
We will be in contact with you shortly to go through the next steps.
What you'll need
To help us assess your ability to repay the loan, and to confirm your identity, we may ask you to provide some of these documents:
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Your ID (for example, a passport or drivers licence)
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Proof of your home address (for example, a utility bill or bank statement)
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An original or electronic version (for example, a PDF or photo) of a document showing your Personal Public Service Number (PPSN) or Tax Reference Number (TRN) and full name. For a full list of acceptable documents and more information on how to provide it, visit www.aib.ie/ccr
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Your current employment details, if you’re in work
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Your annual income and monthly expenses
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Details of any other loans you have
Your loan factsheet
All you need to know about our loans at a glance.
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Here’s what you need to know
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Borrow between €3,000 and €30,000, when you apply through the AIB App.
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For joint applications or to borrow between €30,000 and €60,000, run the numbers through our calculator and ask for a call back.
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You will need to spend 50% or more of the money on a green initiative (see the list below).
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This loan is offered with a lower rate of 6.40% APR (Annual Percentage Rate).
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Loan terms up to 10 years, depending on the amount and purpose of your loan.
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Set your own repayment schedule: weekly, fortnightly or monthly.
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There are no penalties if you ever decide to make an extra repayment or repay your loan earlier than planned.
It may take longer than three hours to get a decision on a green personal loan, bearing in mind the documents you need to provide to confirm 50% or more will be spent on going green.
What sort of thing can you borrow for?
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Wall, attic and floor insulation
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Window and door upgrades or replacements
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Ventilation systems
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Renewable energy systems, including heat pumps and solar panels
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Sustainable water systems
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Boiler upgrades and pipe insulation
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Installation of energy efficient heating controls
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Battery electric or plug-in hybrid electric vehicles and home charger units
How it works
A lower rate for going green
You will be asked to include evidence of your purchase, which should be at least 50% green, by providing a quote or invoice within your application.
Our interest rates are some of the most competitive and consistent on the market and this is our lowest personal loan rate at 6.25% and 6.40% APR (Annual Percentage Rate). Our rates 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.
The green personal loan is not available to top up existing loans, car hire purchases or finance agreements.
A representative example for you:
A typical €10,000 five-year green personal loan with a variable interest rate of 6.25% and 6.40% APR (Annual Percentage Rate), where the interest rate and APR does not vary during the term, has 60 monthly instalments of €194.41 and the total cost of credit (the total amount repayable less the amount of the loan) is €1,664.60.
Regulatory information
Common questions
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How much can I borrow?
Borrow between €3,000 and €60,000, as long as you intend to spend 50% or more of the loan amount on something green.
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What can I provide as evidence of my purchase?
You need to include a quote or invoice of your green item with your application.
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Can I buy a second-hand electric vehicle?
You can buy a second-hand electric vehicle with proof from a dealership.
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How soon will I receive the money?
Once we approve your loan and you request your money, we’ll send the money straight to your Current Account.
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How can I pay for home improvements?
Planning home improvements but not sure what finance options are available? Calculate and compare your finance options and discover how we can support you.
How to apply
Already an AIB customer
Apply through the AIB App for a green personal loan from €3,000 to €30,000.
Applications take just a few minutes to complete.
For larger loans or joint applications, you can apply for a green personal loan by phone.
Not yet an AIB customer
You’ll need to apply by phone (0818 724 725). Use the calculator to see how much you could borrow.
Before proceeding please read our Site Use Terms and Conditions, Privacy & Cookie statements which apply to your use of this website. AIB and AIB Group are registered business names of Allied Irish Banks, p.l.c. Registered Office: 10 Molesworth Street, Dublin 2.
