Looking To Borrowing More? Increase Your Loan Amount - Ulster Bank

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Personal Loans

Borrowing more

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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. 

Borrowing options Thinking of borrowing more?

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.


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;

To find out your outstanding loan balance or current rate, please call us or visit your local branch.

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
- There's no difference in how much you can borrow - total borrowing cannot exceed €40,000, whether as one loan or several
- If you decide to borrow over a longer term this may mean that you'll pay more interest overall.

Here's why an Ulster Bank loan might be right for you


Borrow between €2,500 and €75,000

Flexible repayment terms of 1 - 10 years depending on loan purposes.

Get a quote online and apply today

View your interest rate and loan repayment details online and if you decide to apply we can pre-fill your application if you're an existing Anytime Internet Banking customer to save you time.

Funds next working day

If you use Anytime Internet Banking, apply before 5.55pm Mon-Thur and have your loan unconditionally accepted. Sometimes we'll need to contact you for more information so it takes a little longer.

Borrowing more Ready to apply?
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