How it works
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*
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
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
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.
How much can I borrow?
If you’re looking to borrow between €1,000 and €30,000, applying online takes just a few minutes, and you can get a decision within three hours. For loans over €30,000, call 0818 724 725 or contact your local branch.
How do I apply for a loan?
If you’re applying for a loan between €1,000 and €30,000 and you’re already a customer with us, you can apply through Internet Banking or the AIB App. If you’re a joint applicant, new to AIB or you’re looking to borrow a larger amount (from €30,000), you’ll need to ask for a call back so we can talk you through the process. In any case, see what you can borrow using our calculator.
When do I get my money?
Once we approve your loan and you request your money, we’ll send the money straight to your Current Account.
What can I use the money for?
Unless you’re taking out a green personal loan, there are no restrictions on what you use the money for.