This rate is available on loans between £7,500 and £14,950. Other loan amounts are available at alternative rates. Our rates depend on your circumstances and loan amount and may differ from the Representative APR.

Topping up a personal loan
- Topping up your Ulster Bank loan could be a good option if you're thinking about borrowing more money.
- When you top up a loan, we don't actually add money to your existing loan. We use the new amount you've borrowed to pay off your existing loan and open a new loan.
- You also have the option to open a second loan with us instead and run the two side by side.
Remember, if you decide to borrow over a longer term, this could mean that you'll pay more interest overall.
To apply for a loan you must be 18+ and a UK resident with an Ulster Bank current account (held for 3+ months).
How does this work?
Apply for the total amount of money you need to pay off your existing loan plus any additional funds you require.
Things to remember
- Your new loan will be used to pay off and close down your existing loan. The remaining balance will be given to you.
- There will be an early repayment charge to pay off your existing loan early.
- Your new loan will be paid at a new interest rate.
- You can only pay off a loan if it has more than one repayment left to be made.
How does this work?
Start an application and apply for the loan amount you need. Your old loan will remain open and continue to be repaid at its current interest rate.
Things to remember
- Your existing loan will remain as it is.
- Your new loan will be paid at the agreed interest rate.
- Closing a loan early would incur an early repayment charge, you'll avoid this by keeping your loan open.
Loan calculator
Representative Example
£7,500
0 months
£137.55
£8,253.00
3.9
% APR
3.9
% p.a
The rate you pay depends on your circumstances and loan amount and may differ from the Representative APR. We will never offer you a rate exceeding 29.9% p.a. (fixed), regardless of loan size. This means you're not guaranteed to get the rate you see in the calculator.
The rate you pay depends on your circumstances and loan amount and may differ from the Representative APR. We will never offer you a rate exceeding 29.9% p.a. (fixed), regardless of loan size. This means you're not guaranteed to get the rate you see in the calculator.
Applying for a personal loan
See your personalised loan quote
If you're applying for a sole loan, in most cases we'll show you how much you could borrow, your personalised interest rate and monthly repayments at the start of your loan application. There is no harm your credit score and no obligation to complete your application.