AIB Personal Loan







  • No early repayment fees
  • Flexible repayments
  • Fast decision
About The Loan

About the Loan:

  • The total repayment amount is €5,690.88.
  • The minimum age for applicants is 18.
  • The minimum annual income is not specified.
  • The minimum loan amount is €1,000.
  • The maximum loan amount is not specified.
  • You do not need to be an existing customer of AIB to apply for this loan.


  • Fast decisions where possible. Apply online, through AIB mobile banking app, 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 local branch or by phone
  • Unscheduled repayments are allowed. Repay your loan early if your circumstances change or make additional lump sum repayments at any time with no penalty.
  • Flexible repayment schedule. When you're applying for your loan you can choose repayments that will suit you with Interest Only repayments or planned repayment holidays e.g. take a break from your repayments at Christmas or summer holiday time. Scheduled Flexible repayment options ma
  • Early repayments are allowed.

Loan Tiers:

The interest rate you will pay is dependent on your personal circumstances, the amount you borrow and the time period it is repaid over. The Typical APR quoted is charged to the majority of applicants, others may be offered a different rate.

Loan amount Typical APR
€1,000 - €30,000 8.95%



Personal Loan


The rate is variable, and may go up or down for the duration of the loan as general interest rates fluctuate.

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