*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.

Quick Quote

 

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

Cost

Cost Calculator

This tool calculates the cost of going overdrawn on your personal current account.

Tips on using our Cost Calculator

Please enter between £1 - £5000

Please enter between £0 - £5000

Please enter between 1 and 30 days

Your Summary

Calculated at 22 Mar, 2022 (9:17am)

Total cost for period

(this includes arranged & unarranged borrowing)

(included in total cost)*

*The monthly cap on unarranged overdraft charges for the current account is £90. Further detail can be found here.

Error: Data is currently unavailable - refresh the page or try again later

Information

This calculator tells you how much interest and charges you will pay if you go overdrawn on your current account including within an arranged overdraft or without an arranged overdraft (Unarranged overdraft). For full details of our rates and charges see our price list.

It’s best to agree an arranged overdraft amount with the Bank to make sure that your payments / direct debits and cheques are paid.

Overdraft approval is subject to your credit status. Lending Criteria terms and conditions apply.

Maximum amount of Arranged Overdraft Limit for this calculator is £5,000.

An arranged overdraft is designed for short term use, generally a relatively small amount for a few days. If you need a longer term borrowing please contact us.

The figures provided by this calculator are intended to be used as a guide only. They are based on assumptions rather than precise calculations.

The calculations reflect the current interest and charges that may apply. This pricing may change for future time periods

Tips on using our Cost Calculator

Example 1

John doesn't have an overdraft agreed with the bank and doesn’t want to request an overdraft but wants to know what it might cost to go overdrawn on his current account for £50 for 10 days in a row – He puts £50 into question 1, puts £0 into question 2 and puts 10 into question 3

Example 2

Jane has already arranged an overdraft with the Bank for £500 and wants to know what it might cost to go overdrawn on her current account within her arranged overdraft to £50 for 10 days in a row – she puts £50 into question 1, puts £500 into question 2 and puts 10 into question 3

Example 3

Sinead has already arranged an overdraft with the Bank for £500 and wants to know what it might cost to go overdrawn on her current account to an amount greater than her arranged overdraft - to £750 for 10 days – she puts £750 into question 1, puts £500 into question 2 and puts 10 into question 3

Example 4

Raj has an arranged overdraft of £200 and wants to know what it might cost to go overdrawn on his current account £500 for 5 days and then for £150 for 4 days.  Raj would do two different calculations

He puts £500 into question 1, puts £200 into question 2 and puts 5 into question 3

He puts £150 into question 1, puts £200 into question 2 and puts 4 into question 3

To get his total cost he should add the two answers together

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.

Important information

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.

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Apply on 0800 38 22 65

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Apply via Online Banking

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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.


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