Our lowest fixed rate, exclusively for our customers
Personalised Quick Quote - see if you're likely to be approved
Available to over 18s and existing customers that have held an Ulster Bank current account for a minimum of 6 months. You must be permanently resident in the UK to apply online. Subject to approval. Lending criteria, terms and conditions apply.
Features and benefits
test Borrow between £1,000 and £25,000
Flexible repayment terms of 1 - 10 years
test Borrow for a range of purposes
Planning a holiday, purchasing a new car or making some home improvements? We can help
test Affordable monthly payments
Your rate is fixed for the term of the loan meaning no unexpected changes to your repayment amount
test No obligation Personalised Quick Quote
See if your likely to be approved and how much you could borrow
test Apply online for a decision today
Existing online banking customer? We'll pre-fill your application to save you time
test Funds in your account the next working day
If you bank online and we hold your up to date personal information
Use the below calculator to see a Representative APR for different loan amounts and terms.
Other amounts available at alternative rates. Our rates depends on your circumstances and loan amount and may differ from the Representative APR.
Personalised Quick Quote
Find out if you're likely to be accepted for a loan
Just give us a few details and we will see if we can help.
test Find out if you are likely to be approved
test Find out how much you may be able to borrow
test View your personalised interest rate and monthly payments
test No impact on your credit rating
Add your signposting title here…
How much can I apply to borrow?
You can apply to borrow any amount from £1,000 to £25,000.
Over what term can I take my loan?
If you're borrowing for home improvements, you can take the loan over a term of up to 10 years
Other loans can be taken for up to 5 years, for loans of £10,000 or less, or up to 7 years for loans greater than £10,000
Holiday loans can only be taken over 1 year
The minimum borrowing term is 1 year
If I apply online, how soon will I receive the loan funds?
Already bank online with us? We may be able to give you an instant decision on your loan application. In this case (and subject to our final checks) your funds may be available the next working day.
Not registered for our online banking service? We will send you an application pack within 3-7 days of completing the online application. Once you have completed and returned this pack to us, your loan funds will normally be available within 48 hours, provided you meet all of our credit requirements.