Aib Personal Loan Requirements

Competitive interest rate on new loans at 8.95% APR). The standard interest rate of the loan is available for amounts up to €50,000 with loan terms ranging from 1 to 5 years. We will consider personal loans for DIYers for terms of up to 10 years. For more information on our long-term options, click here. Yes, your credit account will automatically appear in your List of Internet Banking Accounts and transactions/account statements can be viewed. Our interest rates are competitive for new loans with our standard loan rate of 8.95% APR up to €50,000. For loans over this amount, contact your local office or call 1890-724-724. Here`s an overview of the features and benefits of choosing AIB for your loan: Scheduled repayment vacation available when you take out your loan. You can ask to take a repayment break each year at a specific time, for example: at Christmas, your annual loan repayments are spread over 11 months instead of 12 months. This repayment option may affect the amount and/or duration of the loan and is only available if requested when applying for a loan Warning: If you do not meet your loan repayments, your account will be in default. This can affect your credit score, which can limit your ability to access loans in the future. To apply for a loan/recharge online, you must meet the following criteria for this channel: The loan is not directly related to the energy grants available on the SEAI website, so it is worth checking if you are eligible for free financial assistance first.

We only grant credit facilities based on your financial situation. To apply for a personal loan, you must be a resident of the UK and at least 18 years old. Please ask us for all the details of the terms and conditions and written offers. Once your loan is approved and you apply for the money, the money will be transferred directly to your checking account. If you`re considering upgrading to an electric or plug-in hybrid vehicle, or buying a home charging unit, you can get a lower interest rate with the AIB Green Auto Loan. If you would like to restructure an existing loan with us or remove your credit card or overdraft facility, please contact your local office to make an appointment with one of us who will review your application with you. Just show proof that 50% or more is spent on a green initiative, such as upgrading your home or buying a charger. (other loan amounts available at other interest rates). Do you need to tell us about personal loans? You can. Call us at 1890 724 724 (lines are open Monday to Friday from 9am to 5pm) You can repay your loan in whole or in part without penalty or fees. For loan amounts over €50,000, contact your customer advisor or local agency.

We are happy to answer your questions about applying for a personal loan from us. Unlike the products of some competitors, our interest rates/prices do not vary depending on your individual situation. Provided that your application is accepted and you take out your loan within the agreed deadlines, you are guaranteed to receive the rate you indicated at the time of application. If you do not meet any of these criteria, you can always apply for an AIB loan by contacting us at 1890 724 724 or +353 1 7715610 or by calling your local AIB office. * The 3-hour credit decision applies to new fully completed personal loan applications processed within 3 hours from 9 a.m. to 5 p.m., Monday to Friday, excluding statutory holidays. Loans from €1,000 to €30,000. Excluding applications: restructuring or offsetting of existing AIB credit facilities; through the branch and referred to a lender to verify customers in financial difficulty; for student loans and initial loans; Applications via Business Center; or if the total loans exceed €100,000 (excluding mortgages up to €600,000). The interest rate on our personal loans is variable and subject to change. However, your repayments will remain the same, so if interest rates increase during the term of the loan, you will need to make additional payments at the end of the term.

If the interest rate on your loan drops, you can pay off your loan earlier. You can prepay your loan at any time or make additional unexpected repayments through your branch or Internet banking without penalty. A car loan allows you to own your car from the beginning. You can apply for a personal loan through AIB Internet Banking. You can also request a top-up of your existing AIB personal loan via AIB Internet Banking. You can only apply for a loan in your sole name – joint applications are not available. If you would like to apply for a loan for the purchase of land and/or buildings, please contact your local office or call us at 1890 724 724, the lines are open Monday to Friday from 9am to 5pm. Loan criteria and conditions apply. Credit facilities are subject to repayment eligibility and financial situation and are not available to persons under the age of 18.