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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.
Features and benefits
test Borrow between €2,500 and €40,000
Flexible repayment terms of 1 - 10 years
test Borrow for a range of purposes
Buying a new car, making some home improvements or funding your child's university education? We can help
test Affordable monthly payments
Your rate is fixed for the term of the loan meaning no unexpected changes to your repayment amount
test No upfront fees or charges
We won't charge you anything to set up your loan
test Get a quote online now
View your interest rate and loan repayment details
test Apply online today
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.
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How much can I apply to borrow?
You can apply to borrow any amount from €2,500 to €40,000.
If you are applying for the purpose of refinancing existing Ulster Bank debt, we will accept loan applications from €1,500 to €2,499.
Over what term can I take my loan?
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
Holiday loans can only be taken over 1 year
The minimum borrowing term is 1 year
If I apply online, how soon will I receive the loan funds?
We will send you an application pack within 5-8 days of completing the online form. This will detail exactly what documents we require to complete your application. You can provide these in one of two ways:
Simply visit your local branch where your documents will be validated and your application completed. If you require your loan funds urgently we recommend you complete your application this way.
Return your documents along with your signed application form using the freepost envelope in your application pack. Your documents will need to be certified first. Your loan funds will normally be available within 48 hours of us receiving your application pack, provided you meet all of our credit requirements.