Apply For A Bank Loan - Online Loan Application | Ulster Bank

Let's get ready to apply

You can apply for a personal loan if you:


are 18+ and a UK resident with an Ulster Bank current account

haven't been declared bankrupt in the last 6 years

haven't applied for a personal loan with us within the last 28 days


Now please read a few other important things:


Icon expand What you can't use a loan for

  • Buying or putting down a deposit on a property, static caravan or land
  • Household bills, rent or mortgage payments
  • Car tax
  • Business purposes
  • Payments in arrears
  • Tax avoidance arrangements
  • Court or solicitors' fees
  • Gambling
  • Purchase of shares or other investment funds

Icon expand How your information might be used

It’s important for you to understand how we use and share your information. Please read our short summary before you continue with your application.

We sometimes need to share your information to help us both.

Why do you share it?

We share your information so we can:

  • protect you 
  • check your identity
  • make sure you have the right products for your needs
  • prevent fraud and money laundering
  • help us comply with laws, manage our risk and protect our business

Who do you share it with?

We share your information with:

  • other companies in our group
  • fraud prevention agencies, and we also record any identified or suspected fraud, which could mean we have to refuse to provide you with services
  • our business partners, like the company that makes our debit and credit cards
  • industry regulators, government departments and similar organisations, like HM Revenue and Customs, who might in turn have to share it with other countries.

We also share your information with credit reference agencies, so we can:

  • do a credit check – this can affect your credit score (we don’t do one if you’re just opening a savings account)
  • do an identity check – this could be done on you and anyone else who’s linked to the account, but it doesn’t affect your credit score
  • protect you and comply with laws – we must share information about how you manage your account, like payments made in, your balance, credit limits and any missed loan payments. They may also share this with other organisations.

Credit reference and fraud prevention agencies use your information because they have to prevent fraud and money laundering, to protect you, their business and to comply with laws.

What can happen?

We’ll make decisions based on the automated checks of data we hold and receive about you. You have rights in relation to these decisions, including a right to appeal if your application is declined. If it’s declined, we’ll usually keep your information for 5 years or longer if needed to comply with the law.

If you want more details about how we use your information or your rights, please read our full Privacy Notice.


Icon expand Our lending commitments to you

Before applying, please read our lending commitments, which outline our responsibilities and what we ask of you when borrowing from us.

Ready to apply?

You'll need to sign up for Anytime Internet Banking with us in order to apply for a loan. Not registered yet? Don't worry - it only takes around 5 minutes and you can register here


Please select an option: 


Ulster Bank, a business name of National Westminster Bank Plc (“NatWest”), registered in England and Wales (Registered Number 929027).

Registered Office: 250 Bishopsgate, London, EC2M 4AA

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