Overlay
Personal Loans

Debt Consolidation Loans

Tidy up your finances

Representative Example: 

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.

icon:tick Created with Sketch.

One manageable monthly repayment

icon:tick Created with Sketch.

You could lower your monthly repayments      

icon:tick Created with Sketch.

You may be able to pay off your debt faster

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

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.

An Ulster Bank feeder account is required to open and service a personal loan.

Ways to apply

Helpful tools

MABS Budget Planner

The Money Advice & Budgeting Service Budget Planner will give you useful tips on how to plan your budget.