We all have that thing we’d love to do like create family memories in the sun, surprise a loved one abroad or trace your family tree. When you’re planning your trip, we make it as convenient as possible to get a loan. Why Wait? Loans from €1,000 approved within 3 hours.
* 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 loans; applications through Business Centres; or where total borrowings exceed €100,000 (excluding Home Loan debt up to €600,000).
You can apply online, in branch or by phone for a loan amount from €1,000 to €30,000. For amounts over €30,000 and up to €75,000 or joint applications, you can apply in your local branch or by phoning us on 1890 724 724. The people at your branch or our phone banking team can help.
Standard loan terms from 1 to 5 years.
Our rates are competitive for new loans with our 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.
Choose from weekly, fortnightly or monthly repayments.
Scheduled flexible repayments – you can apply for a repayment scheduled that will suit you, such as planned repayment holidays, like taking a break from your repayments at Christmas or summer time. Scheduled flexible repayment options may affect the amount and/or term of the loan.
No penalty if you make an extra repayment.
If you are a Student Plus account holder and looking for a Reduced Rate Loan, please call our Student & Graduate Centre on 0818 303 203 (lines are open 8am to 9pm Monday – Friday and Saturday 9am to 6pm). Or, you can apply through your local branch.
If you wish to restructure an existing loan with us, or clear your credit card or overdraft, please contact your local branch to make an appointment with one of us who will go through your application with you.
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.
Please see our calculators below which help you:
Work out how much a monthly repayment would be
Indicate how much you may be able to afford
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.
This handy loan calculator can give you an estimate of how much you could borrow with a Personal Loan from AIB - Please click here
Call us on 1890 724 724 (lines are open Monday to Friday 8am-9pm and Saturday 9am-6pm)
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.
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.
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.
