Personal Loans| Online Application | Ulster Bank

Apply for a personal loan

Borrowing from €2,500 to €75,000

Loans from €2,500 to €75,000

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. 

Before you apply

To apply online you must:

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

ensure the information you provide matches your identification. We may need to see ID and address verification to open your account.

provide a valid contact telephone number. 

If you already have an Ulster Bank account and 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. 

Considering a personal loan?

What is a personal loan?

It allows you to borrow a fixed amount over a fixed term, usually at a fixed rate of interest.


Borrow between €2,500 and €75,000
Flexible repayment terms of 1 - 10 years (depending on your loan purpose)


Borrow for almost any purpose
Buying a new car, making some home improvements or funding your child's university education? We could help.


Monthly repayments with no upfront fees or charges
Your rate is fixed for the term of the loan meaning no unexpected changes to your repayment amount. We won't charge you to set up your loan.


Apply online and we'll pre-fill part of your application to save you time. 


Click here to see the purposes you can't get a personal loan for

We will not give a personal loan for these reasons

The following loan purposes are not acceptable resons to apply for a personal loan:

  • House purchase or site/land purchase
  • Share purchase
  • Purchase of property or land overseas;
  • Deposit for the purchase of property or land including mortgage, either in Ireland or overseas;
  • Repaying or reducing a mortgage either in Ireland or overseas;
  • Mortgage arrears either in Ireland or overseas;
  • Investment in a business venture;
  • Gambling and/or repayment of a gambling debt;
  • Illegal/unethical purposes;
  • Home Improvement Loans for rented properties.  Available to home owners only.


Calculate your monthly loan repayments before starting your application

  • When applying for a loan online you won’t have an opportunity to amend your loan amount without restarting your application.
  • When considering if this loan is affordable for you, please take in to account any known future changes to your income or other financial commitments that could impact your ability to meet repayments.
  • If you know of any future change to your income or loan commitments, please call our Telephony sales team on 1890 587 587 for assistance on how to capture this information on the application form.

Save yourself time and do the sums upfront in three simple steps.

Calculate your loan repayments before applying for a loan

Are you eligible to apply online?

You're applying for a loan up to €40,000

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.

  You are aged 18 or over and a resident in Republic of Ireland

  You must be an existing Ulster Bank Current Account customer 

  You must be getting a regular income

  You have not been declared bankrupt or had a Personal Insolvency Arrangement in the last 6 years

  You are you registered for online banking and know your details

What you need to have to hand before you start

You can provide your landline or mobile number when you apply. If you already have an Ulster Bank account and 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.

As part of your application we may ask for proof of some of the information above, for example most recent payslips.  We will send you a text message and/or email up to one working day after your application with instructions on how to upload your documents if required.

Apply Now

If you're registered for online banking we can pre-fill your application form and save you time.

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