Overlay
Try our loan calculator

Try our Loan Calculator

How much could you borrow? And what could it cost you? Have a play with our loan calculator to get an idea. 

Get an instant estimate with no impact to your credit score

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 start with a quote...

Please take your time to read this page and decide if a loan is right for you. Unsure? Try our borrowing options tool. 

At the start of your application, we'll say if you could get a loan and what it could cost. It’s then up to you if you want to go ahead.

To apply online, you'll need to:

  • Be 18+, a UK resident with an existing Ulster Bank customer.
  • Not have been declared bankrupt in the last six years.
  • Not have applied for a loan with us in the last 28 days.

 

All good? Here's a bit more info to read:

See how much you could borrow...

What device are you using?
Is our app on the device you're using right now?
Are you applying on your own?

Great, let's see if you could get your loan...

A quick heads-up before you start...

To apply for a joint loan applicants must both:

  • Be 18+ and a UK resident.
  • Have your own mobile number and email address.
  • Have had an Ulster Bank current account for 3 months+.
  • Not have been declared bankrupt in the last 6 years.
  • Not have applied for a loan in the last 28 days.

Are you applying first? You'll need to know:

  • Both your addresses.
  • Both your incomes and outgoings (how much you spend).
Do you have Anytime Banking?
If you know your Anytime Banking details we can pre-fill some of your info - making the application process faster.

Log in to Anytime Banking to start your application

1. Log in to Anytime Banking

All you'll need is your customer number, PIN and password.

2. Choose 'Loans'

Under 'Our Products' choose 'Loans'. You'll then return to our 'Loans' page.

3. Apply for your loan

The good news is, you can now securely apply for your loan.​

Let's sign you up for Anytime Banking

To apply for your loan, you’ll need to sign up for Anytime Banking. The good news? It usually only takes 5 minutes. All you’ll need is your Ulster Bank sort code and account number. Plus, your Ulster Bank debit card, if you’ve got one. ​

Do you have Anytime Banking?
Got Anytime Banking? We’ll pre-fill some of your info – so it’s faster for you to apply.

Log in to Anytime Banking to start your application

1. Log in to Anytime Banking

All you'll need is your customer number, PIN and password.

2. Choose 'Loans'

Under 'Our Products' choose 'Loans'. You'll then return to our 'Loans' page.

3. Apply for your loan

The good news is, you can now securely apply for your loan.​

Let's sign you up for Anytime Banking

To apply for your loan, you’ll need to sign up for Anytime Banking. The good news? It usually only takes 5 minutes. All you’ll need is your Ulster Bank sort code and account number. Plus, your Ulster Bank debit card, if you’ve got one. ​