Personal Loans | Apply Online | Ulster Bank

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Personal Loans

Put your plans into action

Apply online Work out your monthly repayments

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. 

Common questions

If I apply online, how soon will I receive my 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 three ways:


In branch
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.


By post
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.

Find out what documents we can accept



You may receive an e-mail or text message inviting you to complete your application via DigiDocs (our secure online portal). Follow the instructions provided in the invite. Your loan funds will normally be available within 48 hours of us receiving your completed application, provided you meet all of our credit requirements.

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.

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

  • The minimum borrowing term is 1 year

Personal Loans Ready to apply?
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