Debt Consolidation Loans - debt consolidation - Ulster Bank

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Debt Consolidation Loans

Tidy up your finances

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Debt Consolidation Loans Apply now

Taking on any new loan is a big decision and we're here to help you make the right one.

Refinancing existing borrowing can be complex and many of our customers find it easier to talk to someone before they apply. Our Customer Advisors in branch can talk to you about other borrowing options that may better suit your needs.

You can still apply online today, but if you'd rather talk to someone before you apply to ensure this loan is right for you, chat with one of our webchat agents who can arrange an appointment at your local branch.

 

Get a quote

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.

Representative Example: €10,000 over 5 years at 8.17% fixed, 8.5% Annual Percentage Rate, with 60 monthly repayments of €203.64. Total amount repayable €12,218.40. 

Is a debt consolidation loan right for you?

An Ulster Bank loan could help you pay off your existing credit cards, loans or other outstanding debts but taking on any new debt is a big decision. In particular, extending the term of your debt can incur more interest and cost more in the long run, and sometimes an Early Repayment Charge may apply when paying off your existing debt.

 

One manageable monthly repayment

   

You may be able to pay off your debt faster

   

You could lower your monthly repayments

   

Refinancing existing borrowing can be complex and many of our customers find it easier to talk to someone before they apply. Our Customer Advisors in branch can talk to you about other borrowing options that may better suit your needs. 

You can still apply online today, but if you'd rather talk to someone before you apply, book an appointment now.

Loan terms Manageable monthly repayments

You could make your monthly payments more manageable by reorganising what you owe.

 

The need to knows:

 You can apply to borrow from €2,500 to €40,000. If you are applying for the purpose of refinancing existing debt with us, we will accept loan applications from €1,500 to €2,499

Loans of €2,500 to €12,000 can be repaid over a maximum of 5 years

Loans over €12,000 can be repaid over a maximum of 7 years

The minimum loan term is 1 year

Bills and a calculator

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

 

Taking on any new debt is a big decision so you should always make sure a debt consolidation loan is right for you. In particular, extending the term of your debt can incur more interest and cost more in the long run, and sometimes an Early Repayment Charge may apply.

Useful guides

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