This rate is available on loans between £7,500 and £14,950. Other loan amounts are available at alternative rates. Our rates depend on your circumstances, loan amount and term and may differ from the Representative APR.
To apply for a loan you must be 18+ and a UK resident with an Ulster Bank current account (held for 3+ months).
Apply in minutes
It takes minutes to apply online. It's also easy, as we fill out your info where we can.
Get a free quote
Check what you could borrow and your rate before you apply - without affecting your credit score.
Borrow up to £50,000
You could borrow up to £50,000 over 1 to 10 years dependent on how much you are borrowing. If approved, your money will wing its way straight to you account.
You could get your money today
Your money could be in your account the same day if you apply online, are unconditionally accepted and sign your loan documents before 5:45pm Monday to Friday, excluding bank holidays. (It may take longer if we need more info).
How does this top up loan work?
- Get a new, bigger loan that pays off your existing Ulster Bank loan – and gives you the extra money you need.
- When you apply, ask for the money you need to pay off your existing loan, plus the additional borrowing.
- So, if you owe £2,000 on your loan and want to borrow an extra £2,000, you’ll apply for a new loan of £4,000.
Just so you know….
- We’ll use your new loan to pay off your existing NatWest loan and close it for you.
- You’ll pay an early repayment charge. See more about your early repayment charge.
- Your new loan will have a new interest rate.
- To pay off a loan, you must have more than one repayment left.
- If you cancel your new loan within the 14 day cancellation period, we're under no obligation to re-instate your old loan. We could offer you a new loan for the amount of your old loan at our current interest rates.
How does this top up loan work?
- Keep your existing Ulster Bank loan – which will stay the same, with the same interest rate.
- Then apply for a second Ulster Bank loan for any additional borrowing you want.
Just so you know….
- You’ll have two loans, with two monthly repayments.
- Each loan will have its own interest rate.
- Each loan will have a different number of years to pay it back over.
A handy explanation of APR
Loan calculator
Representative Example
£7,500
0 months
£137.55
£8,253.00
3.9
% APR
3.9
% p.a
The rate you pay depends on your circumstances, loan amount and term 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.
Get a free personalised quote
Find out if we're likely to say 'yes' before you apply and how much your loan could cost. Don't worry - a quote takes minutes and won't affect your credit score.
Manage your loan in a flash
It's quick and easy to see what you owe, make payments and overpay with our app. And thats just for starters.
Check your credit score for free
Want to borrow more money? A good credit score could help. See what your score is in our app and get tips to improve it.
Credit score available once opted in through the app, to customers aged 18+, with a UK address and is provided by TransUnion