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Personal Loans

Help with your borrowing needs

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Representative 8.5% APR for loans of €8,000 to €11,950. 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

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


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View your interest rate and loan repayment details

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Existing online banking customer? We'll pre-fill your application to save you time



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

Representative Example: €10,000 over 5 years at 8.17% fixed, 8.5% APR, with 60 monthly repayments of €203.64. Total amount repayable €12,218.40. What's a Representative Example?

Useful guides

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The most common questions about our loans.

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Personal Loans

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