Personal Loans Online | Get A Bank Loan | 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?

Need a decision quickly? - Call us now on 1890 587 587*


Our customer support team is on hand to help. Please have your loan application reference number ready, which will be provided at the end of your application.


We’ll try to complete your application digitally via Digidocs (our secure online portal). We’ll let you know if this is possible when you call. We recommend you complete your application this way if you need your loan urgently.


Your loan funds will normally be available within 48 hours of us receiving your completed application, provided you meet all of our requirements.


If we don’t hear from you and you are eligible to upload your documentation electronically you’ll receive an e-mail or text message inviting you to complete your application via DigiDocs . Follow the instructions provided in the invite.


We’ll also send you an application pack in the post detailing exactly what documents we require. It can take up to a week for the pack to reach you. You can disregard this pack if you have already completed the steps above.


*Lines are open Monday to Friday 8.30 am – 8 pm and Saturday 9 am – 3 pm. Calls may be recorded. Call costs will vary according to your network provider, and whether you call from a landline or mobile.



Happy to wait for your application pack to arrive?


Your application pack will tell you what documentation we require. You can either:


Visit your local branch with the requested paperwork to progress your application or 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.



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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