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Personal Loans

Bring your plans to life with a personal loan

Representative 3.4% APR

Why take an Ulster Bank loan

If you're thinking about hitting the road with a new or used car, giving your home a makeover or tying the knot - whatever life has on the cards a personal loan could help get you there.

  • Ulster Bank was rated 5 Stars for 'Existing Customer Personal Loans' in 2020 by Moneyfacts

Borrow between £1k and £50k

If you're applying for a sole loan we offer loans from £1,000 - £50,000.
If you're applying for a joint loan we offer loans from £1,000 - £35,000. Take a look at our borrowing terms to undersand how long different loan amounts can be repaid over.

Apply online in minutes

It takes around 10 minutes to apply online, and we'll pre-fill some of your application to make it even easier.

Funds the same day

You could get your money 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.

Loan borrowing terms

This is the length of time you can take a personal loan over, depending on the amount you're borrowing and what it will be used for.
Remember, the maximum borrowing amount for a joint loan is £35,000.

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 and loan amount 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. 

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

What to know before you apply

Find out if you're likely to be approved

If you're applying for a sole loan, in most cases we'll show you how much you could borrow, your personalised interest rate and monthly repayments at the start of your loan application. All this with no impact on your credit score.

Make sure a personal loan is right for you

Take a look at our borrowing options guide to compare loans, overdrafts and credit cards to help you find the type of borrowing that best fit your needs.

You can repay your 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.

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. 

Ready to apply?

 

 

Do you have Ulster Anytime Banking?
If you know your Anytime Banking details we can pre-fill some of your information - making the application process faster.
Are you applying on your own?

Great, let's get started

Great, let's get started

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

  • to apply for a joint loan both applicants must:
    - be 18+ and a UK resident
    - have not applied for a loan with us in the last 28 days or been declared bankrupt in the last 6 years
    and either: 
    - both hold a sole Ulster Bank current account (held for 3+months)
    or       
    - share a joint Ulster Bank current account (Held for 3+ months)        
  • we'll run a full credit check to tell you if you're accepted for a joint loan
  • you'll need your Anytime Banking log in details handy

Let's get you signed up for Anytime Banking

You’ll need to sign up for Anytime Banking with us in order to apply for a loan. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your Ulster Bank Debit Card, if you have one.

Once you've registered, select 'next' to log in and apply for a loan.

Are you applying on your own?

Great, let's get started

 

Just a heads up - You will need your Anytime banking details to log in and complete your application.

Great, let's get started

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

  • to apply for a joint loan both applicants must:
    - be 18+ and a UK resident
    - have not applied for a loan with us in the last 28 days or been declared bankrupt in the last 6 years
    and either: 
    - both hold a sole Ulster Bank current account (held for 3+months)
    or       
    - share a joint Ulster Bank current account (Held for 3+ months)
  • we'll run a full credit check to tell you if you're accepted for a joint loan
  • you'll need your Anytime Banking log in details handy