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.
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Borrowing more
Want to top up your loan? Check out your options now.
Representative 6.6% 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).
Option 1: Replace your existing loan(s)
- Get one bigger loan that pays off your existing Ulster Bank loan - and gives you the extra money you need.
- You'll have just one fixed-rate loan payment, so it's easy to manage.
- You'll have a new interest rate, which might be more than the interest on your existing loan.
- You'll need to pay an early repayment fee. This will be included in the amount needed to pay off your old loan.
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Option 2: Apply for a separate loan
- You'll keep your existing Ulster Bank loan(s) – which will stay the same, with the same interest rate.
- Then apply for a second Ulster Bank loan for any additional borrowing you want.
- Each loan will have its own interest rate and a different number of years to pay it back over.
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A handy explanation of APR
Loan calculator
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, 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.
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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.
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