Now is a good time to make your plans a reality.

Whether you’re planning home improvements, a new car or the wedding of your dreams – you can turn your plans into reality with a personal loan from us, giving you the financial flexibility you need, at a fixed interest rate.


5.6% APR representative for loan amounts from £5,000 to £25,000

(other loan amounts available at alternative rates).





Representative example


Loan amount of £10,000 with 60 payments of £191.04 per month. Total amount payable £11,462.40. Interest rate 5.45% p.a. (fixed). 5.6% APR representative. No arrangement fee applies.


You must be over 18 and a resident in the UK to apply for a personal loan. Lending criteria and terms & conditions apply. For more details see the 'Important information' section.

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Features and benefits

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    Fixed monthly repayments and interest rate for peace of mind

    We’ll help you decide on fixed monthly repayments you’re comfortable with to help you plan and budget.


    You will also have peace of mind that your repayments and interest rate will not change irrespective of money market fluctuations.

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    Flexibility to make additional payments or settle early without penalty

    You can settle your loan partially or in full without any penalty or charges.


    Please talk to us if you require more information on how to make settlement payments.

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    Our fairness guarantee - the rate we quote will be the rate you get (if your application is successful)

    Unlike some competitors’ products, our interest rates / pricing will not vary depending on your individual circumstances. Provided your application is successful and you drawdown your loan within agreed timescales, you will be guaranteed to receive the rate you were quoted at the time of application.

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    Annual terms from one to five years available for your chosen loan amount

    You can enjoy the freedom to arrange your monthly repayments over 12, 24, 36, 48 or 60 month terms for your chosen loan amount.


    See our 'Quick quotation' section below for repayments and alternative rates that apply to a selection of loan amounts we offer.

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Quick quotation


Get a quick quote for a personal loan

  • Select Amount..
Loan Principal..
  • Select term(months)..
Loan Principal..

Representative Example

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.

The results are based on current offered rates for personal loans as of 30th March 2020. These repayment figures assume the loan was drawn down on 30th March 2020 and the first repayment was made on 11th May 2020.



How to apply for a Personal Loan


Apply Online or via your AIB (NI) Mobile Banking app
  1. You must be an existing personal current account customer who is registered for Online Services. Sole applicants only.
  2. Apply Online or via your AIB (NI) Mobile Banking app, your application should take approx. 10 minutes.
  3. To find out the decision simply log back into Online or via your AIB (NI) Mobile Banking app.


Alternatively you can call us on 0800 38 22 65†.

Applications can take between 15 to 20 minutes to complete.

Or you can select a callback request, complete your details and we will call you back at a time that suits you.

You can also call into your local AIB branch to complete an application.

We'll be happy to answer any questions you may have about applying for a personal loan with us.


 Lines open: 9am to 5pm Monday - Friday (except on bank holidays). Calls may be recorded. Call charges may vary - refer to your service provider.

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Important information

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    Information about borrowings

    As a responsible lender, we will only lend you money after assessing whether you are able to make the repayments.


    We will only issue credit facilities depending on your financial circumstances. To apply for a personal loan you must be resident in the UK and must be aged 18 or over.  Please ask us for full details of terms and conditions and written quotations.

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Help and guidance


Standards of Lending Practice

We adhere to the Standards of Lending Practice which sets standards for banks when dealing with lending and overdrafts for personal customers. You can get more information on the Standards from any branch or at Under the Standards we have also developed a Statement of Lender and Borrower Responsibilities to ensure that the relationship works well for both of us.


Help Centre

For service related queries, please visit our Help Centre.

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