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.
To apply online, you must be 18+ and a UK resident with an Ulster Bank current account (held for 3+ months).
How a debt consolidation loan could help
A debt consolidation loan could be used to pay off your existing credit cards, store cards and other personal loans.
You could consolidate all your debt into the one loan and only have one payment to make each month.
Taking on any new debt is a big decision; extending the term of your debt can incur more interest and cost more in the long run and sometimes an early repayment charge may apply.
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, 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.
It's easy to manage your debt consolidation loan
We make it easy to manage your loan, so you're in control:
Pay us back early, if you want
You'll just need to pay a fee.
Make overpayments
Chip away at your balance as and when you can.
Use our quick and simple app
Everything you need in one place.
Change your payment date
Just give us a call and we’ll update your Direct Debit.
It's easy to manage your debt consolidation loan
We make it easy to manage your loan, so you're in control:
Can I pay off my loan early?
It’s important to remember that if you repay your loan early, you will be charged an Early Repayment Fee. The amount you will be charged will be equal to 58 days’ interest on the amount you repay early (28 days’ interest if the period of the Loan is one year or less). If there is less than 58 days (or 28 days if applicable) remaining on the loan, the calculation will be based on the actual number of days remaining. This is in addition to your outstanding loan amount and any outstanding interest.