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Read the full methodologyPlease note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.
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How do AIB loans compare against the competition?
See today's rates from across the personal loan market.
The AIB (NI) Personal Loan charges 7.1% APR representative on loans between £10,000 and £25,000. AIB (NI) offers the unsecured personal loan with repayment terms between 1 year and 5 years, and applicants can apply to borrow from £1,000 to £25,000.
| Loan type | Unsecured Personal Loan |
|---|---|
| Loan amounts | £1,000.00 to £25,000.00 |
| Loan terms | 1 year to 5 years |
| Loan rate type | Fixed |
| Product fee | 0% |
| Same-day funding available | |
| Instant decisions in most cases | |
| Soft-search facility available | |
| Joint applications | |
| Overpay without penalty | |
| Concurrent loans allowed | |
| Topping-up pays off existing loan and initiates a new loan | |
| Repayment methods | Direct Debit |
The Annual Percentage Rate (APR) is a summary of the yearly cost of a loan. It takes into account both interest and any unavoidable charges you'll need to pay (for example an arrangement/product fee) over the duration of a loan. Because AIB (NI) doesn't charge an arrangement fee, its APR comprises just the interest rate – and so they're one and the same.
However, the vast majority of lenders tailor rates (and therefore APRs) to the individual applicant. If they think you're a riskier bet, they'll offset that by offering you a higher APR. The "representative APR" (as defined by the Financial Conduct Authority) is what AIB (NI) gives to at least 51% of those who take out the loan. The other 49% could pay more. AIB (NI) must calculate APR in the same way as other lenders, and must tell you your personal APR before you sign a loan agreement.
AIB (NI) advertises a representative APR of 7.1% on loans between £10,000 and £25,000 on the AIB (NI) Personal Loan.
Allied Irish Banks (AIB) Group is a commercial banking group in Northern Ireland. First Trust Bank was formed in 1991 when TSB Northern Ireland merged with AIB Group’s other interests, then in 2019 it made the switch to simply “AIB”. If you’re approved for a personal loan with AIB, it will act as a lender not as a broker.
Unlike many of its competitors, the interest rate you’re offered on a personal loan with AIB will not vary depending on your individual circumstances. Under its “fairness guarantee”, the rate you’re quoted when you apply will be the one you get.
A personal loan can be used for anything from medical or vet’s fees to home improvements, a new car, wedding or furniture. Paying a large amount at one time can be difficult, but AIB can help you pay the money back over a set period with a competitive fixed rate loan. It’s quick and simple to apply online at the AIB website.
To be eligible, you must already hold a personal current account with AIB.
You should only apply for an AIB personal loan if you’re certain you can meet the repayment terms. You must also:
AIB (NI) typically offers loans to applicants with high credit scores. It's important to note that your credit record is just one factor that AIB (NI) considers. However, if you don't have a high credit score, you're very unlikely to get approved for an AIB (NI) loan.
A "Good" or "Excellent" credit rating would require a score of 881 or higher if you're referring to Experian's scale, 531 or higher if you're referring to Equifax's scale and 604 or higher if you're referring to TransUnion's scale.
Yes, AIB (NI) offers instant decisions online in most cases. (Occasionally, more information may be required.)
AIB (NI) doesn't allow you to run multiple loans at the same time.
Yes, you can make overpayments without incurring any penalty fee. However, AIB (NI) can continue to charge interest for up to 2 months on any sums overpaid. So, although making overpayments stands to save you money in interest, you may not save quite as much as you'd imagined.
AIB will normally process your loan application within three hours, as long as you apply during normal business hours. If your application is approved, you’ll then need to sign your loan documents before the funds will be deposited in your bank account.
AIB has received generally poor reviews from customers, according to review platform Trustpilot. It currently has a score of 1.8 out of 5, based on more than 800 reviews (updated June 2025). Some customers cited poor customer service and delays, as well as issues with accessing their accounts online.
You can contact customer support on 0818 724 724. Lines are open Mon – Sun: 09:00 to 17:00.
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