Our rates depend on your loan amount and may differ from the rates shown. 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.
When you apply for a new loan, we'll ask if you want to keep or close your old loan during the application process.
Icon expand Option 1: Open a new loan and run two side-by-side
Your old loan will continue to be repaid at its current interest rate. So if its already a low rate of interest you might want to leave it open.
Closing a loan early incurs a fee, you'll avoid this if you leave the loan open.
Icon expand Option 2: Replace your loan with a new loan for a larger amount
Apply for the total amount you require to pay off your existing loan plus any additional funds you require:
your existing loan will be repaid and closed down and the remaining balance released to you;
the total borrowing will now be at the new interest rate as your previous loan will have been repaid;
please note - when your existing loan is repaid you'll pay interest to close the old loan early.
If you cancel your new loan in the 14 day cancellation period we are under no obligation to reinstate your old loan. However we could offer a new loan for the amount of the old loan at the current rates available.
Things to consider
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
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.