AIB

Lender profile for personal loan comparison in Ireland, focused on costs, eligibility, and repayment fit before application.

AIB often appears in compare loans Ireland journeys where users prioritise clear borrowing terms over marketing speed. Use this page to test fit against your monthly budget and to verify whether lender conditions are explained in a way you can act on safely.

For personal loan comparison, use a consistent checklist: disclosed fees, repayment flexibility, and clarity of lending conditions. A lender with transparent terms and realistic eligibility guidance is generally safer than one that relies on speed-only marketing. This is especially important when researching loans for bad credit Ireland, where product costs may be higher and affordability pressure can increase quickly.

Credizen is a comparison service and does not approve loans. Final underwriting and terms are set by the lender. Before applying with AIB, confirm current rates, contract clauses, and the full repayment schedule shown at application stage.

Amount: 1000 - 75000

APR: 8.95% - 8.95%

Category: bank

Rating: 0/10

Current verified products from AIB

This table compares the named product rather than assigning one provider-wide range to every loan. It preserves the amount, term, rate evidence, example and review date from the official Irish product page. Request the current SECCI before treating any public example as applicable to you.

Provider	Named product	Amount	Term	APR	Official example or limitation	Process	Checked	Official product page
AIB	AIB Personal Loan	1,000–75,000 EUR	12–60 months	8.95%	Official example: €1,500 over one year at 8.65% variable interest and 8.95% APR; 12 monthly instalments of €130.48; cost of credit €65.76 and total repayable €1,565.76. Online applications are limited to €30,000; higher amounts use assisted channels.	AIB says an online decision may be instant or referred for review, normally within three business hours. · Funds follow approval, acceptance and completion of the setup step; no universal guarantee.	2026-08-04	Official product page

This is a product comparison, not an approval or personal quotation. Verify all figures in the current pre-contract information and signed agreement.

What the evidence means for this provider

AIB publishes a variable-rate personal loan and separates online channel limits from assisted borrowing. The public example uses €1,500 over one year, while larger applications can require a callback or branch route. A fair comparison must therefore preserve both the product range and channel condition instead of implying that every amount follows the same digital journey.

Run a matched decision test

Enter one principal and one term on the official AIB route, then record APR, repayment frequency, total cost of credit and total repayable from the resulting disclosure. Repeat with at least two other named products without changing those inputs. Note separately whether the rate is fixed or variable, which channel prerequisites apply, and what happens on early repayment. Stop if the personal offer changes a material figure without explanation or if the instalment fails a reduced-income budget month.

Borrower checklist before applying

Confirm total repayable amount, not just monthly repayment.
Check all fees and the effect of term length on final cost.
Review affordability based on your current monthly obligations.
Proceed only when lender conditions are clear and acceptable.
Cross-check with the methodology so each lender is assessed using the same criteria.

Compare with similar lender profiles

Use nearby profiles to benchmark disclosure style, total-cost framing, and eligibility clarity before choosing where to apply.

Explore city-specific loan guides

City pages help connect lender research with local intent and can improve shortlist quality for urgent borrowing decisions.

Next steps

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Frequently asked questions about AIB

Is AIB compared as a lender or as a broker?

This profile focuses on how AIB presents borrowing terms, cost transparency, and eligibility. Final product structure is always defined by the provider contract.

What should I verify before applying with AIB?

Check total repayable amount, fees, term length, early repayment conditions, and all eligibility requirements before submitting a formal application.

Does this profile guarantee approval from AIB?

No. Approval is decided only by AIB based on underwriting and your personal financial profile.

How should I compare this profile against alternatives?

Use the same checklist across providers: APR context, full cost, documentation burden, speed expectations, and repayment sustainability.

Are rates shown here final offers?

No. Displayed ranges are indicative and should be verified on the provider website during the live application flow.

Is Credizen a lender?

No. Credizen is a comparison service and does not provide loans or personalised financial advice.