Abstract: The plethora of increasingly precise experiments which hunt for axion-like particles (ALPs), as well as their widely different energy reach, call for the theoretical understanding of ALP couplings at loop-level. We derive the one-loop contributions to ALP-SM effective couplings, including finite corrections. The complete leading-order – dimension five – effective linear Lagrangian is considered. The ALP is left off-shell, which is of particular impact on LHC and accelerator searches of ALP couplings to gamma gamma, ZZ, WW, Z gamma gluons and fermions. All results are obtained in the covariant Rg gauge. A few phenomenological consequences are also explored as illustration, with flavour diagonal channels in the case of fermions: in particular, we explore constraints on the coupling of the ALP to top quarks, that can be extracted from LHC data, from astrophysical sources and from Dark Matter direct detection experiments such as PandaX, LUX and XENONIT. Furthermore, we clarify the relation between alternative ALP bases, the role of gauge anomalous couplings and their interface with chirality-conserving and chirality-flip fermion interactions, and we briefly discuss renormalization group aspects.