Debt Consolidation Loans | Debt Consolidation | Ulster Bank

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Debt Consolidation Loans

Tidy up your finances

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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. 

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 €75,000. If you are applying for the purpose of refinancing existing debt with us, we will accept loan applications from €1,500.

For loan applications over €40,000 and up to €75,000 please give our Customer Support Team a call on 1890 587 587.  Lines are open Monday to Friday 8.30 am – 8 pm and Saturday 9 am – 3 pm. Calls may be recorded and  costs will vary according to your network provider and whether you call from a landline or mobile.


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.

Ways to apply

I'm applying on my own

Apply online

 

You need to be an existing customer and registered for Anytime Internet Banking to apply for a Personal Loan online. You'll need your online banking customer number ready when you apply.

 

If you need a consolidation loan, an amount over €40k, or you are self employed, please follow the steps below.

 

Apply now

 

Not registered or need to reset your details?

Don't worry, the good news is that it normally takes only 5 minutes to get set up and all you’ll need is your sort code, account number and your Ulster Bank Debit Card, if you have one. 

Register for Anytime Internet Banking Forgotten your log in details?

 

You can also apply for a loan over the telephone. Call us on 1890 587 587 or at your local Ulster Bank branch.

 

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

 

Find out what information to have ready when you call

Applying for a loan over the phone

 

 

When you call us to complete your loan application, please have the following information ready:

  • Details of all of your income and outgoing commitments
  • Your income after tax received in the last 3 months, or if you are self employed in the last 2 years
  • Any social welfare payments you have receive and any paperwork to confim the payments
  • If you have account elsewhere we will need details of the payments you make in and out of the accounts 
  • Outstanding balances of any borrowing you have outside of ulster bank
  • You will need your PPSN and you may need details from ID and Address verification documents
  • Sometimes we might need to ask you for information to confirm your identity and address, so it would be helpful to have your passport or driving licence and a utility bill available when you call us.

I'm applying in joint names

 

 

Call our Loan Advisors on 1890 587 587.

 

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

 

You can also apply for a loan at your local Ulster Bank branch.

Find out what information to have ready when you call

Applying for a loan over the phone

 

 

When you call us to complete your loan application, please have the following information ready:

  • Details of all of your income and outgoing commitments
  • Your income after tax received in the last 3 months, or if you are self employed in the last 2 years
  • Any social welfare payments you have receive and any paperwork to confim the payments
  • If you have account elsewhere we will need details of the payments you make in and out of the accounts 
  • Outstanding balances of any borrowing you have outside of ulster bank
  • You will need your PPSN and you may need details from ID and Address verification documents
  • Sometimes we might need to ask you for information to confirm your identity and address, so it would be helpful to have your passport or driving licence and a utility bill available when you call us.

I am applying for a loan over €40k or

I am self employed  

 

 

Call our Loan Advisors on 1890 587 587. 

 

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

 

You can also apply for a loan at your local Ulster Bank branch.

Find out what information to have ready when you call

Applying for a loan over the phone

 

 

When you call us to complete your loan application, please have the following information ready:

  • Details of all of your income and outgoing commitments
  • Your income after tax received in the last 3 months, or if you are self employed in the last 2 years
  • Any social welfare payments you have receive and any paperwork to confim the payments
  • If you have account elsewhere we will need details of the payments you make in and out of the accounts 
  • Outstanding balances of any borrowing you have outside of ulster bank
  • You will need your PPSN and you may need details from ID and Address verification documents
  • Sometimes we might need to ask you for information to confirm your identity and address, so it would be helpful to have your passport or driving licence and a utility bill available when you call us.
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