It is possible to submit an application for a personal bank loan through AIB Web Banking

It is possible to submit an application for a personal bank loan through AIB Web Banking

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AIB Unsecured Loans

What kind of unsecured loans am I able to make an application for on the web?

You can make an application for a Top Up of your existing AIB personal bank loan through AIB online Banking. You may possibly submit an application for that loan in your name that is sole only joint applications aren’t available.

The attention price relevant to a personal bank loan is founded on a rate that is variablethe lender’s adjustable ‘A’ loan price). No fixed price loans can be obtained online.

Am I entitled to make an application for a Personal Loan/ Loan Top Up on the web?

To qualify to use for a loan/ top up online you need to after criteria for this channel:

You’ll want an AIB account that is current available for at the very least six months

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

You truly must be over 18

For a premier up application, you really must have 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 holder and desire to avail of Rate Loan, be sure to use using your regional branch. Alternatively it is possible to phone the AIB scholar & Graduate Centre on 1890 788 336, lines open 8am to 9pm Monday – Friday and Saturday 9am – 6pm.

Further factual statements about unsecured Loans can be obtained regarding the AIB private Banking site.

How can I 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 Up’ that is top located ‘Borrow’.

4. Finish the information that is necessary 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. Select ‘Add an Account’ located beneath the ‘Service & Settings’ section in the menu that is main

3. Finish the on display screen industries to include your bank account. You shall need your NSC and account quantity this task.

Simply how much could we make an application for?

You’ll be able to submit an application for a personal bank Loan from €1,000 to €30,000. You are able to submit an application for a high Up of your existing AIB unsecured loan by the absolute minimum quantity of €1,000 as much as a optimum general stability of €30,000.

For quantities over €30,000 please contact your branch that is local or us on 1890 724 724.

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

It is possible to select to repay your loan during a period of 1 to 5 years year.

Just what payment regularity choices are available to me?

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

When will we get a choice on my application?

We will endeavour to offer a determination immediately. Should your application is introduced to the Lending Team for review you will get a determination within 3 company hours. Our company hours are 9am to 5pm Monday to Friday, excluding bank breaks. With a decision within 3 business hours, this period may be extended for technical or other legitimate reasons although we aim to provide you. When you yourself have provided us together with your mobile number, we are going to text you when a choice can be acquired. When a determination is present, it is possible to log AIB Web Banking and choose “My Application & Documents” underneath the “Apply& Open” menu to look at your choice.

Whenever do we get my loan funds?

When you’ve finished the ‘Set Up Now’ phase of this online application procedure, we are going to move the funds to your nominated present account. We are going to let you know during the final end of this application procedure that your funds can be obtained.

Where will my loan account be exposed?

Your loan will be opened at your AIB branch.

Just what loan interest shall i be charged?

The attention price you shall be charged in your loan will be based upon the Bank’s Variable ‘A’ Loan speed in addition to quantity lent.

You’ll read more info on our individual Lending at:

What exactly is ‘My Applications & Documents’?

« My Applications & Documents » gives you the status on the web applications also as down load and conserve all paperwork concerning your online applications. You have access to this by hitting ‘My Applications & Documents’ under ‘Apply & Open’.

That do I contact if any queries are had by me with regards to my?

Should you’ve got regarding a software please give us a call on 1890 724 724 or +353 1 771 5610.

Will there be any application cost for obtaining a unsecured Loan through AIB Web Banking?

There’s absolutely no fee charged for using for the Personal Loan or Loan Top Up through AIB Internet Banking.

Am I going to manage to see my loan stability and deals on AIB online Banking?

Yes, your loan account will immediately show in your bank account list on online Banking and transactions/statements will undoubtedly be open to see.

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

So that you can process the job we might need certainly to hold a credit check out because of the Irish Credit Bureau, an authorized credit guide agency, that will be a regular practice along with financing applications.

In the event that you borrow or get into an economic responsibility, or can perform so, we might provide details of your agreement(s) / account(s) and exactly how you conduct your agreement(s) / account(s), to licensed credit reference agencies on an everyday foundation. Licensed credit guide agencies will record information on all types of search AIB Group makes whether 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
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. Make use of credit scoring techniques to either partially or completely evaluate the application and utilizing information supplied to us our interior systems may provide a automatic choice application.

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