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Personal Loans

Kickstart your plans with a personal loan

Representative 3.4% APR

Why take an Ulster Bank loan

If you're thinking about hitting the road with a new or used car, giving your home a makeover or tying the knot - whatever life has on the cards a personal loan could help get you there.

Borrow between £1k and £50k

If you're applying for a sole loan we offer loans from £1,000 - £50,000.
If you're applying for a joint loan we offer loans from £1,000 - £35,000. Take a look at our borrowing terms to undersand how long different loan amounts can be repaid over.

Apply online in minutes

It takes around 10 minutes to apply online, and we'll pre-fill some of your application to make it even easier.

Funds the same day

You could get your money the same day if you apply online, are unconditionally accepted and sign your loan documents before 5.45pm Mon - Fri.

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

Loan borrowing terms

This is the length of time you can take a personal loan over, depending on the amount you're borrowing and what it will be used for.
Remember, the maximum borrowing amount for a joint loan is £35,000.

Loan calculator

Home improvement loans are available over an extended term, up to 10 years.

How much would you like to borrow?

Representative 50  APR

The Representative APR changes based on the amount you borrow. You can borrow more than £7,500 over a period of up to 8 years.

Representative 50  APR

The Representative APR changes based on the amount you borrow.

How long would you like to repay?

20 Months

Representative Example

Borrowing

£7,500

Over

0 months

Monthly Repayment

£137.55

Total Repayment

£8,253.00

Representative

3.9

% APR

(Annual Percentage Rate)
Interest rate

3.9

% p.a

(Fixed)

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. This means you're not guaranteed to get the rate you see in the calculator. 

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. This means you're not guaranteed to get the rate you see in the calculator. 

What to know before you apply

Find out if you're likely to be approved

If you're applying for a sole loan, in most cases we'll show you how much you could borrow, your personalised interest rate and monthly repayments at the start of your loan application. All this with no impact on your credit score.

Make sure a personal loan is right for you

Take a look at our borrowing options guide to compare loans, overdrafts and credit cards to help you find the type of borrowing that best fit your needs.

You can repay your loan early

If you have a little extra money in your account you can choose to repay your loan early. If you repay your existing loan early, you'll pay up to 58 days interest (or the remaining number of days interest if there are less than 58 days left in the loan term). 

Let's get ready to apply

Before you apply, we need to check you're happy with a few things.

First, you can apply online if you:

  • are 18+ and a UK resident with an Ulster Bank current account (held for 3+ months)
  • have not been declared bankrupt in the last 6 years
  • have not applied for a personal loan with us within the last 28 days

Now please read a few other important things:

Ready to apply?

Do you have Ulster Anytime Banking?
If you know your Anytime Banking details we can pre-fill some of your information - making the application process faster.
Are you applying on your own?

Great, let's get started

Just a heads up - you'll need your Anytime Banking login details at the next step.

Great, let's get started

You're about to start your application so just a heads up:

  • to apply for a joint loan both applicants must:
    - have an Ulster Bank  current account (held for 3+ months)
    - be 18+ and a UK resident
    - have not applied for a loan with us in the last 28 days or been declared bankrupt in the last 6 years
    - share a joint Ulster Bank savings, current account or mortgage
  • we'll run a full credit check to tell you if you're accepted for a joint loan
  • you'll need your Anytime Banking log in details handy

Let's get you signed up for Anytime Banking

You’ll need to sign up for Anytime Banking with us in order to apply for a loan. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your Ulster Bank Debit Card, if you have one.

Once you've registered, select 'next' to log in and apply for a loan.

Are you applying on your own?

Great, let's get started

Just a heads up - you'll need your Anytime Banking log in details at the next step.

Great, let's get started

You're about to start your application so just a heads up:

  • to apply for a joint loan both applicants must:
    - have an Ulster Bank  current account (held for 3+ months)
    - be 18+ and a UK resident
    - have not applied for a loan with us in the last 28 days or been declared bankrupt in the last 6 years
    - share a joint Ulster bank savings, current account or mortgage
  • we'll run a full credit check to tell you if you're accepted for a joint loan
  • you'll need your Anytime Banking log in details handy