Green personal loan
Borrow €3,000–€60,000 for personal purchases such as home energy upgrades or electric vehicles, with at least half the loan currently required for listed green initiatives.
Esta oportunidad está disponible actualmente en inglés.
The loan can pay for wall, attic and floor insulation; window and door upgrades or replacements; ventilation; heat pumps and solar panels; sustainable water systems; boiler upgrades and pipe insulation; energy-efficient heating controls; and battery-electric or plug-in hybrid vehicles and home chargers.
The variable interest rate is 6.25%, with a 6.40% annual percentage rate (APR), which expresses the loan’s total cost, including interest and other fees, as an annual rate. Your regular repayment stays the same if the rate changes: a rise can mean extra payments at the end, while a fall can mean paying off sooner. Terms can be up to ten years, depending on the amount and purpose. Repay weekly, fortnightly or monthly; extra payments and early repayment carry no penalty.
Other costs can arise: your own advisers’ fees, AIB’s solicitor costs if a solicitor acts for the bank (excluding legal investigation of title), and insurance premiums if AIB requires insurance for security. You may choose the insurer, but AIB can reject an unacceptable insurer.
From 7 November 2026, AIB says the full loan amount must fund items on its eligible list. Plug-in hybrids will be removed, nature initiatives such as tree planting added, and a receipt, invoice or purchase order will be needed to support the loan amount.
Eligibility
- You must be over 18. Lending criteria apply, approval is required, and AIB may require security: an asset pledged to back the loan, which the lender could take and sell to recover unpaid money if you stop repaying.
- Under the current rules, at least 50% of the loan must fund listed green initiatives. From 7 November 2026, the full amount must do so, and plug-in hybrid vehicles will no longer qualify.
- A second-hand electric vehicle is eligible with proof from a dealership.
- The loan cannot top up existing loans, car hire purchases or finance agreements.
How to apply
- Estado
- Abierto continuamente
If you are already an AIB customer, apply in the AIB App for €3,000–€30,000. For a larger loan or a joint application, apply by phone; the calculator also lets you request a callback. If you are new to AIB, call 0818 724 725.
Include a quote or invoice for the green purchase under the current rules. From 7 November 2026, AIB will require a receipt, invoice or purchase order supporting the loan amount. A green-loan decision can take longer than three hours.
Provide the information AIB requires to assess repayment ability. It may ask for identity, home-address, income, expenditure, asset and liability documents; without required information it cannot grant the loan. After approval, request the money and AIB pays it into your current account.