*Fully completed personal loan applications from AIB (NI) customers processed within three hours 9am-5pm, Monday to Friday 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.
5.6% APR representative for loan amounts from £5,000 to £25,000
(other loan amounts available at alternative rates).
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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.
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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
- Fixed monthly repayments and interest rate for peace of mind
- Flexibility to make additional payments or settle early without penalty
- Our fairness guarantee - the rate we quote will be the rate you get (if your application is successful)
- Annual terms from one to five years available for your chosen loan amount
How to apply for a Personal Loan
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.
† Lines open: 9am to 5pm Monday - Friday (except on bank holidays). Calls may be recorded. Call charges may vary - refer to your service provider.
Important information
- Information about borrowings
Talk to Us
Simply call 0345 6005 925† or drop in to any AIB branch. We’ll be happy to answer your questions.
† Lines open: 9am to 5pm Monday - Friday (except on bank holidays). Calls may be recorded. Call charges may vary - refer to your service provider.
Help & 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 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.
Help Centre
For service related queries, please visit our Help Centre.