You don’t have to own the car to boss the drive.
It’s all about the experience.
You may not own the music when you listen to it, you don’t own the movie when you watch it, now you don’t have to own the car to drive it.
Personal Contract Hire also known as Personal Leasing is a way to drive a new car, without having to pay to own it. It’s more cost effective, easier, and greener than owning a car.
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More cost effective because you’re not paying for the full cost of the car.
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Easier because you just hand the car back with no balloon payment at the end of the term.
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And greener because it’s easier to drive the latest technology that electric vehicles have to offer.
How does it work?
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Drive a new car for a fixed period and pay each month to use it for that time
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No need to worry about the value of the car dropping, just return it at the end of the contract. Fixed price servicing and maintenance options are available.
Who does it suit?
If owning the car is not that important to you and you're happy to hand it back at the end of term, then Personal Contract Hire could be a good option for you.
Nifti
AIB offers Personal Contract Hire in partnership with Nifti.
Nifti offers lots of car brands to personal customers under leasing arrangements. That means you can lease a car for a fixed monthly payment with no balloon or residual payments at the end of the term. To find out more or to apply please visit the Nifti website.
Regulatory information
Fees and Charges
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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