You’ll submit an application for a unsecured loan through AIB Web Banking

You'll submit an application for a unsecured loan through AIB Web Banking

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AIB Personal Loans

Which kind of unsecured loans can I make an application for on the web?

It is possible to submit an application for a Top Up of your AIB that is existing Personal through AIB online Banking. You could make an application for that loan in your single title only - joint applications aren't available.

The attention price relevant to an unsecured loan is dependant on a adjustable rate (the financial institution's adjustable 'A' loan price). No fixed rate loans can be obtained online.

Am I qualified to make an application for a Personal Loan/ Loan Top Up on line?

To meet the requirements to try to get a loan/ top up online you have to meet with the criteria that are following this channel:

You really must have an AIB account that is current open for a few months

Your wage needs to be compensated straight into your AIB current account

You need to be over 18

For a premier up application, you'll want a preexisting sole AIB loan

Then you can still apply for an AIB loan by contacting us on 1890 724 724 or +353 1 7715610 or by calling into your local AIB branch if you do not meet any of these criteria.

If you're a pupil plus Account or Graduate Account owner and desire to avail of Rate Loan, be sure to use through your regional branch. Instead you can easily call the AIB Student & Graduate Centre on 1890 788 336, lines open 8am to 9pm Monday - Friday and Saturday 9am - 6pm.

Further details about unsecured Loans can be seen from the AIB private Banking web site.

How do you submit an application for the Personal Loan on the web?

1. Log into AIB Online Banking.

2. Click 'Apply & Open' through the primary menu.

3. Choose 'New Personal/ automobile Loan' or 'Personal Loan Top Up' located under ‘Borrow’.

4. Complete the necessary data regarding the Personal Loan/ Top Up.

Then you will not be able to top it up online until you complete the following steps to add your loan account if you cannot see your existing loan account on your Internet Banking ‘Accounts’ screen:

1. Log into AIB Online Banking

2. Choose ‘Add an Account’ located beneath the ‘Service & Settings’ section in the menu that is main

3. Finish the on display areas your bank account. You will require your NSC and account quantity this task.

Just how much am I able to submit an application for?

You are able to make an application for an unsecured Loan from €1,000 to €30,000. You can use for a high Up of your AIB that is existing Personal by at least level of €1,000 up to an optimum general stability of €30,000.

For amounts over €30,000 please contact your neighborhood branch or call us on 1890 724 724.

Over exactly how years that are many we repay the mortgage?

It is possible to decide to settle your loan during a period of 1 12 months to 5 years.

Just what payment regularity choices are accessible to me personally?

It is possible to select to create loan repayments on either a month-to-month, fortnightly or regular foundation.

Whenever will a decision is received by me on my application?

We will endeavour a determination instantly. In the event the application is referred to your Lending Team for review you shall get a choice within 3 company hours. Our company hours are 9am to 5pm Monday to Friday, excluding bank vacations. Although we try to offer you a choice within 3 company hours, this era could be extended for technical or other genuine reasons. With your mobile phone number, we will text you once a decision is available if you have provided us. As soon as a choice can be acquired, you are able to log into the AIB online Banking and choose “My Application & Documents” underneath the “Apply& Open” menu to see your choice.

Whenever do we receive my loan funds?

Once you've finished the ‘Set Up Now’ stage of this online application procedure, we shall move the funds to your nominated account that is current. We are going to inform you during the end associated with application procedure that your funds can be found.

Where will my loan account be exposed?

Your loan will be exposed at your AIB branch.

Exactly what loan rate of interest shall i be charged?

Rate you shall be charged on your own loan is dependent on the Bank’s Variable ‘A’ Loan speed while the quantity lent.

It is possible to read more information on our individual Lending at:

What exactly is 'My Applications & Documents'?

"My Applications & Documents" gives you to see the status of the on the web applications along with down load and save your self all paperwork associated with your online applications. It is possible to access this by hitting ‘My Applications & Documents’ under ‘Apply & Open’.

That do I contact if any queries are had by me in terms of my application for the loan?

Should a query is had by you regarding a software please give us a call on 1890 724 724 or +353 1 771 5610.

Will there be any application cost for trying to get a personal bank Loan through AIB online Banking?

There isn't any cost charged for using for the Personal Loan or Loan Top Up through AIB Web Banking.

Am I going to have the ability to see my loan stability and deals on AIB Web Banking?

Yes, your loan account will immediately show in your account list on online Banking and transactions/statements is going to be accessible to see.

What exactly is a Credit Check and what exactly is a Credit Reference Agency?

To be able to process the job we might have to transport down a credit check because of the Irish Credit Bureau, an authorized credit guide agency, which can be a standard training along with financing applications.

In the event that you borrow or get into a monetary responsibility, or can perform therefore, we might offer information on your agreement(s) / account(s) and exactly how you conduct your agreement(s) / account(s), to licensed credit reference agencies on a typical foundation. Licensed credit guide agencies will record information on every type of search AIB Group makes whether or otherwise not the job profits.

You can contact the Bureau at the address below, or by telephone at 01-2600388 if you wish to obtain information on your credit rating with the Irish Credit Bureau.

Irish Credit Bureau
ICB Home
Clonskeagh Path
Dublin 14
Web Site: www.

Automatic Decisioning?

An Automated Decision is just a decision that is computer-generated. Utilizing finished loan application information an automated underwriting system retrieves relevant information and gets to a logic-based loan choice. Utilize credit scoring techniques to either partially or fully evaluate the job and utilizing information supplied to us our interior systems might provide a automatic choice for the application.


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