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Borrowing more

 

Want to top up your loan? Check out your options now.

Representative 6.6% APR

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, loan amount and term and may differ from the Representative APR.

Why top up your loan with us?

Apply in minutes

It takes minutes to apply online. It's also easy, as we fill out your info where we can.

Get a free quote

Check what you could borrow and your rate before you apply - without affecting your credit score.

Borrow up to £50,000

You could borrow up to £50,000 over 1 to 10 years dependent on how much you are borrowing. If approved, your money will wing its way straight to you account. 

Money same day

You could get your money today

Your money could be in your account the same day if you apply online, are unconditionally accepted and sign your loan documents before 5:45pm Monday to Friday, excluding bank holidays. (It may take longer if we need more info).

How to top up your loan

It's simple to top up your loan. Just choose an option: 

  • Option 1 - apply for a new, bigger loan to replace your existing loan.
  • Option 2 - apply for a second Ulster Bank loan.

Option 1 - apply for a new, bigger loan to replace your existing loan

How does this top up loan work?

  • Get a new, bigger loan that pays off your existing Ulster Bank loan – and gives you the extra money you need.
  • When you apply, ask for the money you need to pay off your existing loan, plus the additional borrowing.
  • So, if you owe £2,000 on your loan and want to borrow an extra £2,000, you’ll apply for a new loan of £4,000.
Information Message

Just so you know….

  • We’ll use your new loan to pay off your existing NatWest loan and close it for you.
  • You’ll pay an early repayment charge. See more about your early repayment charge.
  • Your new loan will have a new interest rate.
  • To pay off a loan, you must have more than one repayment left.
  • If you cancel your new loan within the 14 day cancellation period, we're under no obligation to re-instate your old loan.  We could offer you a new loan for the amount of your old loan at our current interest rates.
Information Message

Option 2 - apply for a second Ulster Bank loan

How does this top up loan work?

  • Keep your existing Ulster Bank loan – which will stay the same, with the same interest rate.
  • Then apply for a second Ulster Bank loan for any additional borrowing you want.

 

Information Message

Just so you know….

  • You’ll have two loans, with two monthly repayments.
  • Each loan will have its own interest rate.
  • Each loan will have a different number of years to pay it back over.
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How long could you borrow for?

You could pay back your loan over 1 to 10 years – it depends how much you’re borrowing and what you’re borrowing for.

A handy explanation of APR

Loan calculator

Home improvement loans are available over an extended term, up to 10 years.

How much would you like to borrow?

Representative 50  APR

The Representative APR changes based on the amount you borrow. You can borrow more than £7,500 over a period of up to 8 years.

Representative 50  APR

The Representative APR changes based on the amount you borrow.

How long would you like to repay?

20 Months

Representative Example

Borrowing

£7,500

Over

0 months

Monthly Repayment

£137.55

Total Repayment

£8,253.00

Representative

3.9

% APR

(Annual Percentage Rate)
Interest rate

3.9

% p.a

(Fixed)

The rate you pay depends on your circumstances, loan amount and term 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.

Get a free personalised quote

Find out if we're likely to say 'yes' before you apply and how much your loan could cost. Don't worry - a quote takes minutes and won't affect your credit score. 

It's easy to manage your top up loan in the app

Payments

Manage your loan in a flash

It's quick and easy to see what you owe, make payments and overpay with our app. And thats just for starters.

Get our free app.

Information Message

Check your credit score

Check your credit score for free

Want to borrow more money? A good credit score could help. See what your score is in our app and get tips to improve it. 

Credit score available once opted in through the app, to customers aged 18+, with a UK address and is provided by TransUnion.

Check your credit score in our app, free.

Information Message

Let's get ready to apply

Before you apply, we need to check you're happy with a few things.

First, you can apply online if you:

  • Are 18+ and a UK resident with an Ulster Bank current account (held for 3+ months).
  • Have not been declared bankrupt in the last 6 years.
  • Have not applied for a personal loan with us within the last 28 days.

Now please read a few other important things:

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application. 

All okay? Let's go

Just a heads up... To apply for a loan, you’ll need the Ulster Bank app.

What device are you using?
Are you using your mobile, or something else, to apply?
Is our app on the device you’re using right now?
Is our app on the device you’re using right now?
Are you applying on your own?

Great, let's get started

Just a heads up - you'll be asked to log into the Ulster Bank mobile app to start your loan application.

You're about to start your application so just a heads up:

Just a heads up - you'll be asked to log into the Ulster Bank mobile app to start your loan application.

To apply for a joint loan applicants must both:

  • be 18+ and a UK resident;
  • hold a Ulster Bank current account for at least 3 months+
  • have not been declared bankrupt in the last 6 years; and
  • not have applied for a loan in the last 28 days.
  • you'll be asked to log into the Ulster Bank mobile app to start your loan application.

The main applicant (the person about to start the application) should have both of your addresses, incomes and outgoings to hand. 

Let's get you set up

To apply for a loan, you’ll need to get the mobile app. The good news is that it should only take you 5 minutes.

You’ll need:

  • Your Anytime Banking customer number, PIN and password.
  • Your mobile phone – to get your one-time password.

Not registered for Anytime Banking? Sign up here. 

Do you have the Ulster Bank app?
To start your application, you’ll need the Ulster Bank app. Have you got it?

Apply on your mobile device now

To apply for a loan, please follow the steps below.

  1. Log into the Ulster Bank mobile app.
  2. Click the 'Apply' button.
  3. Select the 'Loans' tile and 'Apply'.

Let's get you set up

To apply for a loan, you’ll need to get the mobile app. The good news is that it should only take you 5 minutes.

You’ll need:

  • Your Anytime Banking customer number, PIN and password.
  • Your mobile phone – to get your one-time password.

Not registered for Anytime Banking? Sign up here.