AIB personal loans UK – Fixed rates from 7.1% APR, £1,000-£25,000 with same-day decision and no application fee

Overview of AIB personal loans UK

AIB personal loans UK provide a straightforward way to borrow between £1,000 and £25,000 with fixed rates from 7.1% APR. These loans are tailored for UK residents who hold an AIB personal current account and want predictable monthly repayments for terms of one to five years.

Whether you need cash for home improvements, a used car, or a family event, an AIB personal loan combines competitive fixed APRs, no application fee and same-day decisions when you apply during business hours. The clarity of fixed rates helps with budgeting and long-term planning.

Rates, amounts and repayment

The representative APR starts at 7.1% for eligible borrowers, though the exact AIB loan rate you receive depends on your credit profile and income. Monthly repayments are fixed, so you know exactly what leaves your account each month until the loan balance is cleared.

Loan amounts range from £1,000 up to £25,000 and terms usually run from 12 to 60 months, offering flexibility if you prefer lower monthly payments or a shorter repayment period to save on interest. Use the AIB loan calculator online to estimate monthly costs before you commit.

Eligibility and how to apply

To apply for AIB personal loans UK you must be at least 18 and hold a UK AIB personal current account; proof of ID, address and income will be required as part of the check. AIB assesses applications quickly, with same-day decisions common when you apply via online banking or the mobile app during office hours.

The online application typically takes around ten minutes, asking for basic employment and expenditure details plus a short credit check. If approved, funds are usually paid into your account promptly after signing the loan agreement, and there is no application fee to worry about.

Best uses, benefits and alternatives

AIB personal loans are useful for home improvements, car purchases, debt consolidation and other planned expenses where predictable repayments matter. For borrowers with good credit, the fixed APR and no early repayment penalties can make these loans an attractive choice in the UK market.

If you don’t have an AIB current account or your credit profile needs work, consider alternatives such as 0% balance transfer credit cards for short-term borrowing, peer-to-peer loans or borrowing from family. Always compare total cost of credit and use budgeting tools or impartial advice to choose the right product.