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Personal Loan

Take control of your Personal Loan

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. The minimum personal loan amount is EUR1,500. The maximum quote available using this calculator is EUR75,000. For amounts greater than EUR75,000, contact your local branch or Relationship Manager.

For more information on AIB Personal Loan interest rates please visit this link: Personal lending Interest Rates

Get a quick quote for a Personal Loan

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 current offered rates for Personal Loans. Rates are variable and are determined by the amount of the loan.

With an AIB Personal Loan, you can also avail of the following benefits:

  • Unscheduled repayments
    Repay your Personal Loan early if your circumstances change or make additional lump sum repayments at any time with no penalty.
  • 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.
  • Low Personal Loan interest rates
    We have a suite of competitive variable Personal Lending interest rates depending on how much you wish to borrow.
  • No set up charges or fees for early repayment of your loan.
  • Loan terms from 1 to 5 years.
  • A choice of repayment frequencies
    Your repayments can be in line with your income frequency e.g. weekly, fortnightly or monthly.
  • Choice of channels
    You can apply for an AIB Personal Loan in your branch, telephone (Call 1890 724 724 Monday to Friday 8am-9pm, Saturday 9am-6pm) or online at

If you wish to apply online please view our next steps section.

How much can you borrow?

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

Important / Regulatory Notice

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 EUR1500 one year variable interest rate loan will have monthly repayments of EUR134.70 Interest 14.09%, APR (Annual Percentage Rate) 14.87%. If the APR does not vary during the term of the loan the total cost of credit of this loan i.e. total amount repayable less the amount of the loan, would be EUR116.40.

AIB strongly recommends that before purchasing this product that you read the Important Information on your Distance Contract below.

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Next Steps

Call 1890 724 724 Monday to Friday 8am-9pm
Saturday 9am-6pm

Related Information

Our Terms and Conditions and Privacy Statement apply to your use of this website. AIB and AIB Group are registered business names of Allied Irish Banks, p.l.c. Registered Office: Bankcentre, Ballsbridge, Dublin 4.
Tel: + 353 16600311 Registered in Ireland : Registered No. 24173. Allied Irish Banks, p.l.c. is regulated by the Central Bank of Ireland. Copyright Allied Irish Banks, p.l.c. 1995