Whatever you're planning for - new car, home improvements, some travel or your 'big day' - we can help you with one of our loans.

 

* 3 hour loan decision applies to fully completed new personal loan applications processed within 3 hours 9am-5pm, Mon-Fri excl. bank holidays. Loans from €1,000-€30,000. Excludes applications: to restructure or clear existing AIB credit facilities; received through Branch and referred to a lender for review, from customers in financial difficulty; for Student and First Job loans; applications through Business Centres; or where total borrowings exceed €100,000 (excluding Home Loan debt up to €600,000). 

 

Already a customer banking online with us?

You can apply via Internet Banking for approval within 3 hours*

  • Pick a term and amount that suits you - between 1 and 5 years and for amounts of between €1,000 and €30,000

  • Once approved the funds can be put immediately in your account

  • To apply, log on to your Internet Banking account via aib.ie

 

Whatever you’re planning for the future – home improvements, your ‘big day’ or simply that trip of a lifetime – you can turn your plans into reality with an AIB Personal Loan that gives you the financial flexibility you need.

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    Online Personal Loan - Key Information

    • If you hold a Personal Bank Account or AIB Advantage account for more than six months and are registered for AIB Phone & Internet Banking, you can apply for a Personal Loan or Loan Top Up online through AIB Internet Banking, our AIB Mobile or AIB Tablet Banking app. Your salary must be paid directly to your AIB current account

    • You can apply for a loan of between €1,000 and €30,000 online. For amounts over €30,000 please contact your local branch or call us on 1890 724 724

    • Competitive Interest rate for new loans at 8.95% APR

    • You may apply online for a loan in your sole name only - joint applications are not available

    • If you are a Student Plus account holder and wish to avail of a Reduced Rate Loan, please apply through your local branch. Alternatively you can call the AIB Student & Graduate Centre on 1890 788 336, lines are open 8am to 9pm Monday – Friday and Saturday 9am to 6pm

    • If you wish to restructure your existing AIB loan, clear your AIB credit card or overdraft, please contact your local branch to make an appointment with one of our lenders who will go through your application with you

    • If you wish to apply for a loan to buy land and/or buildings, please contact your local branch or call us on 1890 724 724 , lines are open 8am to 9pm, Monday – Friday and Saturday 9am to 6pm.   
    • AIB has a range of Car Finance options including Personal Loans, Hire Purchase and Leasing. For more information or to apply for Hire Purchase or Leasing Car Finance, please click here

    • If you are not registered for AIB Phone & Internet Banking, or not currently an AIB customer, you can still apply for a Personal Loan online just click the ‘Not registered for Internet Banking? – Apply here’ button and fill out the online application form.


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New customer, don't bank online with us or want to apply for more than €30,000?

You can apply for a personal loan in your local branch or over the phone

  • Our branch staff or phone banking team can discuss your options and help with your application

  • Pick a term and amount that suits you - between 1 and 5 years for amounts of €1,000 or more

  • When you're applying you can speak to us about a repayment schedule that will suit you, such as planned repayment holidays, e.g. take a break from your repayments for Christmas. Scheduled flexible repayment options may impact on the amount and/or term of the loan

  • No penalty for unscheduled repayments

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    Personal Loan - Features and Benefits

    • Standard personal loan terms from 1 to 5 years.  Personal loans for home improvement purposes will be considered for terms up to 10 years.  For more information about our longer term options click here.

    • Apply online, in branch or by phone for amounts from €1,000 - €30,000 to receive a decision in 3 hours*. For amounts up to €75,000, you can apply in your branch or by phoning us on 1890 724 724.

    • Competitive Interest rate for new loans with our standard lending rate at 8.95% APR. Standard Lending rate is available up to €50,000. 

    • Scheduled flexible repayments
      When you're applying for your Personal Loan you can apply for a repayment schedule that will suit you, such as planned repayment holidays, e.g. take a break from your repayments at Christmas or summer holiday time. Scheduled flexible repayment options may impact on the amount and/or term of the loan

    • No-penalty for unscheduled repayments

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How much can you borrow?

For our Personal Loans the amount you can borrow is based on your capacity to make regular repayments. It's important not to overstretch your finances and to take into consideration the possibility of future unexpected expenses.

 

The interest rate on an AIB Personal Loan is variable and may change. However, your regular repayments stay the same, so if interest rates rise during the loan term, you will have to make some extra payments at the end of the term. If the rate on your loan falls, you may pay off your loan earlier. You have the option of paying back your loan early or making unscheduled, additional repayments through your branch or Internet Banking at any time with no penalty.

Loan Calculators

Please see our calculators below which help you:

  1. Work out how much a monthly repayment would be

  2. Indicate how much you may be able to afford

1. Loan Repayment Calculator

Get a Quick Quote for a Personal Loan


  • Select term(months)..
  • 12
  • 24
  • 36
  • 48
  • 60
Select term(months)
Calculate
Recalculate
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.

2. Loan Affordability Calculator

This handy loan calculator can give you an estimate of how much you could borrow with a Personal Loan from AIB - Please click here

Ways to Apply

Online: Apply Online (if you're an online banking customer)

Phone: Call 1890 724 724 (lines are open Monday to Friday 8am-9pm and Saturday 9am-6pm)

Branch: Drop into any AIB branch

New Customer/not yet registered for Internet Banking

Help and Guidance

About our Loans
General Information about our personal loans
 

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.

Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.

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

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