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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

How much:

How long:

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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 Interest Rate is the actual rate at which interest is charged on the amount you borrow. The APR (Annual Percentage Rate) 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. APR stands for Annual Percentage Rate (APR) which is the total cost of your loan over its term, taking into account both interest rate charged and other fees, as well as whether interest is charged monthly or quarterly. AIB calculates interest on a daily basis.

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

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    To apply by phone you’ll need to be:

      Preferred contact time

      Call centre working hours:

      Our phone lines are now available Monday to Friday 09:00 to 17:00 (excluding Bank Holidays)

      Personal details

      To apply in your branch you’ll need to be:

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          Your details

          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.

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          We will be in contact with you shortly to go through the next steps.

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          Personal loans

          Whatever you’re dreaming of doing – whether it’s a new kitchen, a car or a holiday – if you’re already a customer of ours, we can approve your loan quickly.

          Calculate my personal loan

          Here’s what you need to know

          • If you’re 19 or older and want to borrow between €1,000 and €30,000, you can apply on the AIB Mobile App or Internet banking. It only takes a few minutes, and you can get a decision within three hours

          • If your 18, looking to make a joint application or for applications over €30,000 call us on 0818 724 725 Our phone lines are available Monday to Friday 09:00 to 17:00 (except Bank Holidays).

          • Loan terms are from one to five years for most purposes, up to seven years for car loans and up to ten years for home improvement loans depending how much you borrow. 

          • Set your own repayment schedule: weekly, fortnightly or monthly. You can take one month off repayments a year – just let us know at the time of loan application. This repayment option may affect the amount and/or term of the loan.

          • There are no penalties if you ever decide to make an extra repayment or repay your loan earlier than planned.

          • If you are not yet an AIB customer, you’ll need to go to a branch to prove your identity and address. 

          Calculate my personal loan

          How our loans work

          We want you to have all the information you need to borrow confidently. Here are a few points to consider.

          A family of four cycling through a grassy terrain near a forrest.

          3 hour online loan approval*

          Yes – when you apply online for loans less than €30,000, we really can turn it around this quickly. If you’re a customer with us, we already know a little bit about you, which makes it very straightforward for us to decide how much you can borrow. So, providing you apply telling us everything we need to know between Monday to Friday and between 9:00 and 17:00 (excluding bank holidays), we can let you know our decision within three hours. Once we approve your loan and you request your money, we will put the money into your Current Account.

           

           

          Understanding our rates

          Our personal loan interest rates at 8.65% and 8.95% APR (Annual Percentage Rate) are some of the most competitive and consistent on the market, but they are variable. If your rate changes, your repayment amounts stay the same. So, if the rate rises during the loan term, you will have to make extra payments at the end of the term, and if the rate falls, you might pay off your loan sooner.

           

           

           

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          A representative example for you:

          A typical €1,500 one-year loan with a variable interest rate of 8.65% and 8.95% APR (Annual Percentage Rate), where the interest rate and APR does not vary during the term, has 12 monthly instalments of €130.48 and the total cost of credit (the total amount repayable less the amount of the loan) is €65.76. That means the total amount repayable over the course of the loan is €1,565.76. APR stands for Annual Percentage Rate which is the total cost of your loan over its term, taking into account both interest rate charged and other fees, as well as whether interest is charged monthly or quarterly.

           

           

           

          Regulatory information

          Lending criteria, terms and conditions apply. Personal loans are only available to over 18s. Subject to approval. Security may be required.

          *The three-hour decision applies to fully completed, new personal loan applications processed between 9:00 and 17:00, Monday to Friday excluding bank holidays. It applies to AIB Standard Personal loans from €1,000 - €30,000 and one to five year terms. Excludes applications to restructure or clear existing AIB credit facilities; applications referred to lender for review; from customers in financial difficulty; for student and green personal loans.

           

          Right of Withdrawal

          If you decide this loan isn’t right for you, you can withdraw from the Credit Agreement within 14 days.

          Important:  If the Credit Agreement replaces an existing credit agreement for a loan with us and provides additional credit, it will replace your previous credit agreement for that loan. If you withdraw from this Credit Agreement, you must repay the full amount you have borrowed under this Credit Agreement, (not just any additional credit, if applicable).  Your previous credit agreement will not be reinstated.

          If you still need credit, you will need to apply for a new loan, which is subject to approval and may be offered on different terms. 

          Warning

          If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit report, which may limit your ability to access credit, a hire- purchase agreement, a consumer-hire agreement or a BNPL* agreement in the future.

          *BNPL: Buy Now Pay Later

          Common questions

          View help centre

          How to apply

          Already an AIB customer

          Apply through Internet Banking or the AIB App for loans from €1,000 to €30,000.

          Online applications take just a few minutes to complete.

          For larger loans, apply by phone or in branch.

          Log in to Internet Banking

          Not yet an AIB customer

          You’ll need to apply by phone (0818 724 725) or in branch.

          Use the calculator to see how much you could borrow.

          Calculate my personal loan

          Looking for something else?

          We design personal loans to get our customers doing. Whether you’re renovating your home, going green, buying a car, looking to invest in your education or taking the trip of a lifetime, we can make your plans a reality.

          Explore my loan options
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