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 to €2,499.

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

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.

 

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 online banking Forgotten your log in details?

Apply over the phone

Call our loan advisors on 1890 587 587. You'll need your account number and sortcode ready.

 

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.

Apply at your local branch

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

Find your local branch
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