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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:

Weekly
Fortnightly
Monthly

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:

        Choose branch

        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.

        How it works

        Online loans from €1000 approved in 3 hours

        Online loans from €1000 approved in 3 hours

        3 hour loan decision applies to fully completed 

        new personal loan applications processed within

        3 hour 9am-5pm, Mon-Fri excl bank holidays.

        Loans from €1000-€30.000*

        Standard lending rate at 8.95% APR up to €50,000

        Standard lending rate at 8.95% APR up to €50,000

        For loans over that amount, contact your local

        branch or call 1890 724 724

        Personal Lending Interest Rates

        Take a break, with a loan repayment holiday

        Take a break, with a loan repayment holiday

        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. 

        No charge for unscheduled repayments

        No charge for unscheduled repayments

        We won't charge you extra if you make a payment to your loan oustside of your normal scheduled repayment

        Manage your loan through the AIB app

        Manage your loan through the AIB app

        Your're in control. KNow exactrly how many payments you've got left, when they'll be going out and how much they'll be for.

        Help center

        We all have that thing we'd love to do!

        There's no waiting around. get started today and you could get a decision on your loan in just 3 hours!