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Car Loans

 

New car? Used car? Make it your car with a car loan from us.

Representative APR 6.6%

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 get a car loan from us?

Apply in minutes

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

Fixed-rate loans

Your interest rate is fixed, so you'll usually pay back the same amount each month*, simple.

For new and used cars

Pay upfront for your new (or pre-loved) wheels, then spread the cost up to 8 years - it depends on how much you're borrowing. 

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 long could you borrow for?

You could pay back your loan over 1 to 8 years - it depends how much you're borrowing. 

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.

So, is a car loan best for you? Or...?

What’s the best way for you to borrow?  Our handy guide could help you decide.

Get a free personalised quote

Find out if you're likely to be approved for a loan and get your personalised rate at the start of your application. It only takes a few moments and there's no impact on your credit score.

It's easy to manage your loan

Pay back early

Pay us back early, if you want

You can pay us back early, but you'll need to pay a fee. 

Read about our early repayment fee.

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Manage via our app

Use our quick and simple app

Pay your loan off, overpay and more. Our app is quick, easy and secure. See who can use our app. 

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Change payment date

Change your payment date

Want to change your payment date? Just call us. See how to change your loan Direct Debit date. 

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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. 

Anything else we can help you with?