Fixed Rate Personal Loan
Turn your dreams into reality
5.6% APR representative for loan amounts from £5,000 to £25,000.
*Fully completed personal loan applications from AIB (NI) customers processed within three hours Monday - Friday 09:00 - 17:00 excluding bank holidays. While we aim to provide you with a decision within three business hours, this period may be extended for technical or other legitimate reasons.
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. You can apply for a Fixed Rate Personal Loan from £1,000 to £25,000. Use our Quick Quote calculator below to get your representative example.
*Loans for other amounts are available. Talk to us on 0800 38 22 65
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.
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.
Get a quick quote for a personal loan
Representative Example
Loan amount (£)
Term (months)
Interest rate (fixed)
Representative APR
Arrangement fee
Monthly Payment
Total amount repayable
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- Existing AIB (NI) Customer
Apply Online or via your AIB (NI) Mobile Banking app
- You must be an existing personal current account customer who is registered for Online Services. Sole applicants only.
- Apply Online or via your AIB (NI) Mobile Banking app, your application should take approx. 10 minutes.
- 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.
When you apply for a Personal Loan, we will carry out a credit check with Equifax, a licenced Credit Reference Agency (CRA). This check includes information such as how you operate your account and any existing overdrafts or borrowings. Credit Reference Agencies also record details of our search which may affect lending applications you make elsewhere.
† Lines open: Monday - Friday 09:00 - 17:00 (except on bank holidays). Calls may be recorded. Call charges may vary - refer to your service provider.
How to apply for a Personal Loan – New to bank customer
Apply by calling into a AIB NI branch near to you
What you will need:
1. Up to 6 months previous bank statements.
2. One document to confirm your identity.
3. One document to confirm your address.
You can find what documents are accepted to confirm ID and address by clicking here
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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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 www.lendingstandardsboard.org.uk. 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. |
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AIB Group (UK) p.l.c. is covered by the Financial Services Compensation Scheme, Financial Ombudsman Service and is a Registered Firm with The Lending Standards Board.
The AIB logo and AIB (NI) are trade marks used under licence by AIB Group (UK) p.l.c. incorporated in Northern Ireland. Registered Office 92 Ann Street, Belfast BT1 3HH. Registered Number NI018800. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.