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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Joint loans
Take on life together with a joint loan
Representative 6.6% APR
To apply for a joint loan applicants must be 18+, a UK resident and either: both hold a sole Ulster Bank current account (held for 3+ months) or share a joint Ulster Bank current account (held for 3+ months).
Get a quote with no impact on your credit score
If you both have a Ulster bank current account and you're looking for a joint loan, in most cases we’ll confirm the loan amount and rate at the start of your application with no impact on your credit score.
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Apply in minutes
It can take as little as 10 minutes to apply for a Ulster bank loan online. We'll ask you to log in to Anytime Banking so have your details handy. We will also pre-fill some of your details to make the journey easier.
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Money in your account the same day
You could get your joint loan funds on the same day if you apply online, are unconditionally accepted and both parties sign their loan documents before 5.45pm Mon – Fri.
If we need to contact you for some additional information, it can take a little longer.
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About joint loans
Whether you’re working on a big dream or a little emergency, a joint personal loan could be an option if you’re looking to borrow money with a partner, family member or friend.
If approved, you could use a joint loan to:
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Linking your finances
Taking on any new debt is a big decision, especially when you’re doing it as a team.
If you’re approved, your credit files will be linked and future lenders may take both your scores into account before approving you for any other borrowing.
It’s also key to know that if the person you’re taking a loan with defaults on a payment or the entire loan amount, you will be responsible for the full payment amount.
Your steps and their steps How to get your joint loan
Starting the application? You’ll need to tell us:
- Both your addresses for the last 3 years.
- Both your incomes and outgoings (how much you spend).
- A different mobile number and email address for each of you.
Second applicant? Here's what you need to do:
- Log in to the application when we ask you to.
- Check you’re happy, then sign your documents.
After you’ve both signed the credit agreement, we’ll do some final checks. If everything's OK, we'll pop your money in your account.
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
If you both have a Ulster Bank current account and you're looking for a joint loan, in most cases we’ll confirm the loan amount and rate at the start of your application with no impact on your credit score.