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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Personal loans
Bring your plans to life with a personal loan
Representative 6.6% APR
To apply, you must be 18+ and a UK resident with an Ulster Bank current account (held for 3+ months).
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.
- Ulster Bank was rated 5 Stars for 'Unsecured Personal Loans' in 2024 by Moneyfacts.
Get a quote with no impact on your credit score
If you have an Ulster Bank current account and you're looking for a sole 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 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.
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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.
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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.
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 quote with no impact on your credit score
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.
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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.
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You can repay your loan early
It’s important to remember that if you repay your loan early, you will be charged an Early Repayment Fee. The amount you will be charged will be equal to 58 days’ interest on the amount you repay early (28 days’ interest if the period of the Loan is one year or less). If there is less than 58 days (or 28 days if applicable) remaining on the loan, the calculation will be based on the actual number of days remaining. This is in addition to your outstanding loan amount and any outstanding interest.
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It's easy to manage your loan
We make it easy to manage your loan, so you're in control:
Pay us back early, if you want
You'll just need to pay a fee.
Make overpayments
Chip away at your balance as and when you can.
Use our quick and simple app
Everything you need in one place.
Change your payment date
Just give us a call and we’ll update your Direct Debit.
It's easy to manage your loan
We make it easy to manage your loan, so you're in control:
Pay us back early, if you want
You'll just need to pay a fee.
Make overpayments
Chip away at your balance as and when you can.
Use our quick and simple app
Everything you need in one place.
Change your payment date
Just give us a call and we’ll update your Direct Debit.
Can I pay off my loan early?
It’s important to remember that if you repay your loan early, you will be charged an Early Repayment Fee. The amount you will be charged will be equal to 58 days’ interest on the amount you repay early (28 days’ interest if the period of the Loan is one year or less). If there is less than 58 days (or 28 days if applicable) remaining on the loan, the calculation will be based on the actual number of days remaining. This is in addition to your outstanding loan amount and any outstanding interest.
