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..
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
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.
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
Home improvement loans
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To borrow between €1,000 and €30,000, online applications take a few minutes, and you can get a decision within three hours.
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For joint applications or to borrow between €30,000 and €50,000, run the numbers through our calculator and ask for a call back
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To borrow between €50,000 and €75,000, call us on 0818 724 725.
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Loan terms from one to five years, or up to 10 years for some home improvement loans.
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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 when 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.
Thinking of going green?
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Are you doing green upgrades as part of your home renovation? If you want to buy things like solar panels or energy-efficient heating controls, then you can get a lower interest rate with our new green personal loan at 6.40% APR (Annual Percentage Rate).
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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 show proof that 50% or more of the loan amount is spent on going green.
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.
Upgrading the Energy Efficiency of your home by 20% or more?
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Borrow between €5,000 and €75,000 per property. Each borrower can apply for up to 3 properties up to a maximum of €225,000 in total.
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You need to use at least 75% of the loan for energy efficiency purposes, for example insulation of walls and attic, heat pumps and solar thermal panels.
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Loan term from one year to 10 years (depending on amount).
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Flexible monthly repayments – choose a date that suits you to repay your loan
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No security required.
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Loans will be available up to 31 December 2026 or until the scheme is fully subscribed.
How our loans work
We want you to have all the information you need to borrow confidently. Here are a few points to consider.
3 hour online loan approval*
Yes – when you apply online for loans less than €30,000, we really can turn it around this quickly. If you’re a customer with us, we already know a little bit about you, which makes it very straightforward for us to decide how much you can borrow. So, providing you apply telling us everything we need to know between Monday to Friday and between 9:00 and 17:00 (excluding bank holidays), we can let you know our decision within three hours. Once we approve your loan and you request your money, we will put the money into your Current Account.
Understanding our rates
Our personal 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 on a home improvement loan:
A typical €10,000 five-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 60 monthly instalments of €205.69 and the total cost of credit (the total amount repayable less the amount of the loan) is €2,341.4
A representative example for you on a green personal loan:
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.
A representative example for the Home Energy Upgrade Loan Scheme:
A typical €20,000 five-year loan with a variable interest rate of 3.50% and 3.55% APR (Annual Percentage Rate), where the interest rate and APR does not vary during the term, has 60 monthly instalments of €363.79 and the total cost of credit (the total amount repayable less the amount of the loan) is €1,827.40. This example is for illustration purposes only.
SBCI Home Energy Upgrade Loan Scheme
The interest rate on your loan has been reduced in part, due to a 2% per annum subsidy paid to AIB by the government through the SBCI (Strategic Banking Corporation of Ireland) scheme. The subsidy is paid as long as you continue to qualify for this loan as outlined in the terms and conditions. You don’t have to do anything. The interest rate is variable and is calculated daily on the cleared debit balance on the loan. The interest rate may fluctuate over the period of the loan but your repayments stay fixed throughout. If interest rates rise during the loan term, you may have to make some extra payments at the end of the term and if the rate on your loan falls, you may pay off your loan earlier.
Regulatory information
Common questions
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Can I borrow the full cost of my home improvements?
Yes, we will assess your application based on your ability to make repayments on what you are borrowing. There are no restrictions on what you use the money for when it comes to your renovation plans. If some of your plans involve green home upgrades, then a green personal loan may be more suitable.
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When will I receive a decision on my loan application?
We endeavour to give you an instant decision on your loan. If your loan application is referred to our lending team for review you will receive a decision within three business hours. Our business hours are 9.00 to 17.00 Monday to Friday, excluding bank holidays. Although we aim to provide you with a decision within three business hours, this may be extended for technical or other reasons. If you have provided us with your mobile phone number, we will text you once a decision is available. Once a decision is available, you can log into your AIB Internet Banking and select “My Application & Documents” under the “Apply & Open” menu to view the decision.
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Who do I contact if I have any queries in relation to my loan application?
If you have a query regarding your loan application please call us on 0818 724 725 or +353 1 771 5610.
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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 Internet Banking or the AIB App for loans from €1,000 to €30,000.
Online applications take just a few minutes to complete.
For larger loans, apply by phone or in branch.
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.
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.
