Our lowest ever Representative 3.9% APR for loans of £7,500 to £25,000.
Other amounts available at alternative rates. Our rates depend on your circumstances and loan amount and may differ from the Representative APR. Over 18s and existing Ulster Bank current account customers only.
When you apply for a new loan, we'll ask if you want to keep or close your old loan during the application process.
Icon expand Option 1: Open a new loan and run two side-by-side
Your old loan will continue to be repaid at its current interest rate. So if its already a low rate of interest you might want to leave it open
Closing a loan early incurs a fee, you'll avoid this if you leave the loan open.
Icon expand Option 2: Replace your loan with a new loan for a larger amount
Apply for the total amount you require to pay off your existing loan plus any additional funds you require:
your existing loan will be repaid and closed down and the remaining balance released to you;
the total borrowing will now be at the new interest rate as your previous loan will have been repaid;
please note - when your existing loan is repaid you'll pay 58 days interest (28 days if loan term 12 months or less, or the remaining number of days interest if there are less than 58 days (or 28 days) left in the loan term) to close the old loan early.
If you cancel your new loan in the 14 day cancellation period we are under no obligation to reinstate your old loan. However we could offer a new loan for the amount of the old loan at the current rates available.
Things to consider
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 you're 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
Try our loan calculator to work out the best loan for you
The rates you pay depends on your circumstances and loan amount and may differ from the Representative APR.
Just give us a few details and we will see if we can help.
test Find out if you're 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