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Personal Loans

Help with your borrowing needs

Get a quote

Representative 12.3% APR for loans of €8,000 to €11,999. Other amounts available at alternative rates. Our rates depend on your loan amount and may differ from Representative APR. Available to over 18s and existing Ulster Bank current account customers resident in the Republic of Ireland only. Subject to approval. Lending criteria, terms and conditions apply.

Personal Loans

Features and benefits


Borrow between €2,500 and €40,000

Flexible repayment terms of 1 - 10 years 

Depending on loan purpose

Personal Loans

Borrowing terms

  • If you're borrowing for home improvements, you can take the loan over a term of up to 10 years

  • Other loans can be taken for up to 5 years, for loans of €12,000 or less, or up to 7 years for loans greater than €12,000

  • The minimum borrowing term is 1 year

Borrow for a range of purposes

Buying a new car, making some home improvements or funding your child's university education? We can help


Affordable monthly payments

Your rate is fixed for the term of the loan meaning no unexpected changes to your repayment amount


No upfront fees or charges

We won't charge you anything to set up your loan

Get a quote online now

View your interest rate and loan repayment details

Apply by telephone today

Our dedicated loans team can discuss your options


An Ulster Bank feeder account is required to open and service a personal loan.

Representative Example: €10,000 over 5 years at 11.64% fixed, 12.3% APR, with 60 monthly repayments of €220.68. Total amount repayable €13,240.80.

What's a Representative Example?

Personal Loans

What's a Representative Example?

A Representative Example is a term used in financial advertising regulations. The example will help to show you the typical costs associated with a loan for a certain amount.

Helpful information

Useful guides

Woman using a laptop A guide to loans

Lots of lenders offer loans. Our guide will help you understand the basics.

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Let us take the mystery out of loans with our loan jargon buster.

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Common questions

More common questions

Personal Loans

Ready to apply?

Get in touch

Get in touch

Call us today

Call 1800 303 004


Lines are open: 

Mon & Fri 8.30am - 7.30pm
Tues, Wed & Thur 8.30am - 9pm
Sat 9am - 2pm
(excluding bank holidays)

Calls may be recorded. Calls from mobile phones may not be free.

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