Family sitting on a sofa

Personal Loans

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. 

Personal Loans

Features and benefits


Borrow between £1,000 and £25,000

Flexible repayment terms of 1 - 10 years

Depending on loan purpose

Personal Loans

Borrowing terms

  • 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

Borrow for a range of purposes

Planning a holiday, purchasing a new car or making some home improvements? We can help


Affordable monthly payments

Your rate is fixed for the term of the loan meaning no unexpected changes to your repayment amount


No obligation Personalised Quick Quote

See if your likely to be approved and how much you could borrow

Personalised Quick Quote

Apply online for a decision today

Existing online banking customer? We'll pre-fill your application to save you time

Funds in your account the next working day

If you bank online and we hold your up to date personal information

Eligibility criteria applies

Personal Loans

Funds next working day

To receive your loan funds the next working day:

You must use online banking

You must apply online before 5.55pm Monday to Thursday and have your loan accepted

We must already hold your up to date personal information


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

Helpful tools

Loans calculator

Use the below calculator to see a Representative APR for different loan amounts and terms.

What's a Representative APR?

Personal Loans

What's a Representative APR?

A Representative APR is the interest rate applied to over half of loans issued for a particular size of loan.

All lenders advertise rates in this way. Most lenders (including us) use personalised pricing and this means your actual rate will be based on your personal circumstances.


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.

Find out if you are likely to be approved

Find out how much you may be able to borrow

View your personalised interest rate and monthly payments

No impact on your credit rating

Personalised Quick Quote

Important information

The lending code

Ulster Bank subscribes to the lending code. The full code can be found at

 A Guide to the Lending Code (PDF)

Add your signposting title here…

Common questions

More common questions

Personal Loans

Ready to apply?

Apply online
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