Personal Loans - apply online - Ulster Bank

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Personal Loans

Borrow between £1,000-£35,000
and bring your plans to life.

Apply online Find out if you're likely to be approved

Our lowest ever Representative 3.4% APR  for loans of £7,500 to £19,950.

Other amounts available at alternative rates. Our rates depend on your circumstances and loan amount and may differ from the Representative APR. Available to existing Ulster Bank current account customers over 18.

Here's why an Ulster Bank loan might be right for you

Borrow between £1k and £35k
£1,000-£7,499 repay over 1 to 5 years, £7,500-£35,000 repay over 1 to 8 years. Home improvement loans of £7,500 or more can be repaid over 1 to 10 years.

Online decision in minutes
Bank with us online? We can pre-fill your application, saving you time.

Funds next working day
If you use online banking, apply before 5.55pm Mon-Thur and have your loan unconditionally accepted. Sometimes we'll need to contact you for more information so it takes a little longer.

Use our loan calculator to work out the best loan for you


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.

Personalised Quick Quote
Add your signposting title here… Find out if you're likely to be approved

We'll show you how much you may be able to borrow

View your personalised interest rate and monthly payments

There's no impact on your credit rating

Personalised Quick Quote

Common questions

How much can I apply to borrow?

You can apply to borrow between £1,000 and £35,000. 

Over what term can I take my loan?

  • Loans between £1,000 and £7,499 can be repaid over a term of 1 to 5 years
  • Loans between £7,500 and £35,000 can be repaid over a term of 1 to 8 years
  • Home improvement loans over £7,500 can be repaid over a term of 1 to 10 years
  • 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 my loan funds?

Already bank with us online?
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 will 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 your meet all of our credit requirements.

Ready to apply?
Apply online
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