Apply Now Hero | Personal Loans | Ulster Bank

Important information before you apply


By applying online you can receive approval in principle straight away and collect your application pack in your local branch the next working day. As part of the online application, we may ask you for proof of identity, your most recent address, to verify that you have been in continuous employment for 6 months and also to provide evidence of your Personal Public Service Number (PPSN) / Tax Reference Number. You may be invited to complete your application via DigiDocs (our secure online portal). If so follow the instructions in the invite email or text.


Some of the features and benefits of our personal loans:

Borrow between €2,500 - €75,000
Flexible repayment terms of 1 - 10 years

Depending on loan purpose
Personal Loans Borrowing terms
  • 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


Borrow for a range of purposes
Buying a new car, making some home improvements or funding your child's university education? We can help


   Affordable monthly payments
Your rate is fixed for the term of the loan meaning no unexpected changes to your repayment amount


Representative Example


Over 5 years




Annual Percentage Rate


monthly repayments of




Total amount repayable

Other amounts available at alternative rates. Our rates depend on your loan amount and may differ from Representative APR. 


To apply online you must:


be aged 18 or over and permanently resident in the Republic of Ireland

be an existing Ulster Bank current account customer

be in full time, continuous employment for more than 6 months

 provide your Personal Public Service Number (PPSN) or Tax Reference Number (TRN). Please have this to hand when you apply.

provide a valid contact telephone number. You can provide your landline number when you apply. If you use Anytime Internet Banking, please ensure your mobile number is up to date before you apply.  You can amend your number in the “Your Details” section of Anytime Internet Banking, or call us or visit your branch to do so. 

Unfortunately we are unable to help if you have been declared bankrupt or received a Court Decree.

In accordance with European Banking Authority (EBA) guidelines you will not be eligible to receive a Covid-19 payment break following draw down of your  Personal Loan.  After draw down should you find yourself in financial difficulty and in a position where you need a payment break or payment reduction, this request will be managed by the Arrears Support Unit (ASU)  under the Consumer Protection Code.  If this request is agreed by the Bank and applied to the loan, it will be reported to credit rating agencies and will impact your credit history and this may affect your ability to borrow money in the future.


Important information


We may carry out credit scoring, where we assess whether credit is affordable for you based on the information you provide.

Please read important information on the Central Credit Register

Please print and/or save a copy of the following documents:

Terms of business (PDF, 327 KB)

A guide to credit scoring (PDF, 120 KB)

GDPR Privacy Booklet (PDF, 155 KB)



By ticking this box I confirm that: I have saved and/or printed a copy of the above documents and accept that upon completing this application, I will become bound by the terms contained in those documents.

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