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Holiday loans

A step towards your dream destination

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.

About our holiday loans

We all deserve to have a break from time to time, whether it’s a trip of a lifetime, a relaxing getaway or ticking somewhere off your bucket list. You could use a holiday loan to  help you get to your dream destination and repay your loan over time.

See how much you can borrow

Give our loan calculator a try to decide how much you want to borrow for your holiday, how long you'll need to pay it off and what the Representative APR is.

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Check your personalised quote

See if you're likely to be approved, with no impact on your credit score. If you're applying for a sole loan, in most cases we'll show you how much you could borrow and your personalised interest rate at the start of your application.

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Same day funds

You could get your loan funds on the same day if you apply online, are unconditionally accepted and sign your loan documents before 5.45pm Mon-Fri.

Sometimes we need to contact you for more information, so it can take a little longer.

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Holiday loan repayment terms

This is the length of time you can take a holiday loan over, depending on the amount you're borrowing.

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.

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.