Ulster Bank

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Company Information

  • Company Name :
    Ulster Bank
  • Website Address :
  • FCA IP :
  • Business address :
    11-16 Donegall Square East, Belfast BT1 5UB
  • Phone number :
    0800 046 6486

A member of the Big Four Irish Banks and subsidiary of The Royal Bank of Scotland Group since 2000, Ulster Bank (Ulsterbank.co.uk) is a major provider of loans and other financial products for customers across Ireland and the UK. Ulster Bank has a range of loans available to help its customers to achieve their financial goals and make their dreams a reality.

Ulster Bank’s personal loans are unsecured, so there is no collateral attached to the loan, like your home or car. A personal loan can be borrowed for a range of different purposes, whether you want to pay for a big life event, like a wedding, or take a holiday and spread the costs out over a longer period of time.

All of Ulster Bank’s personal loans come with a fixed interest rate, so the initial rate you’re given at the start of your loan won’t change throughout the full term. Although Ulster Bank advertises a 6.4% APR Representative, the rate you’ll receive will be personalised to your loan, depending on the amount you want to borrow and your personal financial circumstances and history. Special rates are also available for existing ufirstgold customers.

Ulster Bank offer flexible personal loans so you can choose how much you want to borrow and how long your repayment term will be. Customers can borrow anywhere from £1,000 to £25,000 and choose to make repayments over one to five years for loans up to £10,000 and up to seven years for loans over £10,000. If you’re taking out a Ulster Bank personal loan to carry out home improvements then you have the option of repaying over a ten year term. If the loan is being used to pay for a holiday then only a one year term is available.

Customers looking to apply for a personal loan from Ulster Bank can do so in their local branch, over the phone, or online.

224 Reviews of Ulster Bank

Hello there, my name is Maura and I currently live in Dublin. I’ve been a happy customer with Ulster Bank for several years now and have never considered looking elsewhere for any of my financial needs- I keep my current accounts, savings account and credit card with Ulster. I can’t speak for every aspect of the bank but the customer service at my local branch has always been absolutely brilliant so I’d never go anywhere else.After months of dilly-dallying my boyfriend finally got himself together and got down on one knee, so we began planning for our big day. Sadly, neither of our family’s are especially well off so we have to cover the bulk of the costs ourselves. We didn’t have quite enough saved off for our dream day so we thought taking out a loan would be the best plan of action.I went into my usual Ulster Bank branch and chatted with a friendly adviser who showed me the different loan options available from the bank. I opted for a flexible unsecured personal loan that I’d repay over five years. My application was immediately approved and that was that! I got my money within a couple days and we were able to start really planning our special day. The rate we were offered is nice and low and the repayments are going to be easy enough to meet.Thank you to Ulster Bank for all of the great service over the years and the kindness of your Dublin Bank staff. Still a happy customer here!

Review posted by Maura Holdroyd

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I checked out a few banks before I settled on the Ulster bank. I’m nothing to do with Ireland, and have never even seen one of their banks but as everything was done over the phone or online, this was no problem for me. Their rate seemed a bit high initially but once I entered my details, credit history and personal circumstances, the rate came down a lot. This was part of the reason I went with them. I like the fact it was a personalised loan, fitting me and my individual situation. I felt I got a really good deal. I was after a holiday loan and so was only able to take it out over one year, but I like the idea that they don’t want me to be in debt for a long time. I like not paying huge amounts of interest. And, by the time this one’s paid off, it’ll be time for the next holiday! I also know that I won’t be running up huge, overlapping debts this way. The interest rate is fixed too, so I don’t have to worry about the news saying interest rates are rising. I can keep the same repayments steadily over the next year without the worry. So I am very pleased with what I got from Ulster bank. I’d heartily recommend them.

Review posted by Zachary Sinclair

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Hi there, I am 25 years old and a qualified Au pair, who has been dreaming of working in the Big Apple since I can remember. I got a letter in the post a couple of months ago from a company offering me the opportunity of working for them in New York. I was so excited, I almost fell off my chair! I eventually got the courage to speak to my parents about the fact that I needed to fly to New York for the interview, but they had just recently bought a new car and were not able to help me with the money to get there.I was devastated! I thought that my life was about to end because I had no way of getting to New York for the interview that could potentially change my life forever. Then one day, I was feeling sorry for myself and surfing the net when I came across an advertizement from Ulster Bank. Suddenly, I saw a the light at the end of the tunnel! These people would help me without any kind of security at all. The interest rate that you get does not change for the entire period of the loan agreement and even though the rate is advertized at 4.9%, what you end up paying depends on your individual circumstances.So, this is how it ended! I got approved for my loan online and I bought my ticket to New York, I went for the interview, saw some of the amazing city and eventually got the call to say that I had got the job. I am currently living in NYC and loving every minute of it. Even though my job is time consuming, I make enough to repay my loan and save money for when I go back to the UK in 2 years time.

Review posted by Oscar Stone

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As a trusted bank, this loan really is what you would expect. Not the greatest interest rates in the world but nevertheless, the company provides a great and flexible loan with a lot of scope to personalise the loan to one that is exactly what you need in your current financial situation.Although the representative APR is 6.4%, this company offers some great perks that many other personal loan companies on the market don't offer and therefore, even with a slightly higher interest rate, a loan from Ulster Bank may still be well worth taking. With a competitive range of money that can be loaned, from £1,000 to £25,000, Ulster bank is similar to many others. It differs and exceeds the competitors when it comes to the larger loans. If the loan is over £10,000 then the loaner can choose to repay the amount over up to 84 months which is two extra years that you might get to the majority of other personal loan company's on the market.There are a variety of different loan options available and the friendly in store advisors will guide you to the loan that is right for you. In addition, special rates will be granted to those people who are loyal customers to the bank so this is well worth checking if you bank with Ulster bank as well.

Review posted by Finlay Law

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My application for a loan from Ulster Bank sailed through with no problems. Ulster Bank was my first port of call as a friend recommended their online loans application service, after having a very positive experience with them. I followed her recommendation when I was looking around for a personal loan so I could go visit my daughter in Australia.I applied to borrow £7,500 over 36 months and was quoted a repayment of £229 per month. My online application went through with no problems and was accepted and I received my formal application pack in the mail a few days later. I filled in the application and returned it direct to Ulster Bank and within four days the funds were credited to my current account.Ulster Bank did call me a few days later just to clarify the best dates for my direct debit to be set up so I could ensure funds were in my current account at the correct time of the month. I set my repayment date up for the end of the month, when I'm normally paid, and have heard nothing more from the bank. My direct debits come out of my bank account on the due date and I'm happy in the knowledge that over the three year term of the loan my repayments are fixed so I won't be getting any hikes in interest rates at all during this period.I would recommend the personal loans service at Ulster Bank to anybody and will use them again if I need additional funds.

Review posted by Owen Jarvis

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Ulster Bank offer a higher 6.4% APR representative rate for loans of £1,000 to £25,000. Loans can be taken out over a period of 12 to 84 months. This is slightly higher then lower interest rate offered by Santander, RBS and Yorkshire Bank. Caution should be applied if you do decide to take out a loan with Ulster Bank because you must make sure you are able to afford the monthly repayments. If you were to take out a loan of £7,500 over the course of 5 years, then monthly repayments would be £145.76 and the total amount payable will be £8,745.60. The final amount payable appears to be quite high and means you are paying over a £1,000 in interest on the aforementioned loan. Ostensibly, there are better loan deals in the online sphere and on the high street with other lenders. If the interest rate is higher than other lenders, then the service from Ulster Bank needs to be exceptional. However, the bank's online presence is somewhat mediocre and they do not appear to possess the presence that other big banks do; therefore, the advertising power is superseded by big players within the loan market. Nevertheless, Ulster Bank do offer the option of taken the loan out over 84 months, which is a longer period then many of the other high street banks. Customer do like having the option of taking out a loan over a longer period, especially if they want to bring down the amount they are paying when it comes to their monthly repayments.

Review posted by Josh Stanley

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After having a few problems with our home, we decided that the 'fix it and patch it' quick solutions we were using were probably the root cause of the problem, so decided to get a personal loan and do a complete renovation.After one of the ladies I am friends with recommended me to Ulster bank, which I had never heard of, I had a look online and checked them out. Our credit rating is non-existent, as we rarely apply for credit or use credit cards, but to our surprise, we were accepted for a personal loan on the spot.We applied for the loan online and got accepted on the Tuesday evening, and the money was in our bank Friday morning, which was great and meant we got to spend the weekend carefully planning all our renovations.We have had the loan a couple of months now and the repayments have all gone smoothly, and on time. Seeing as we do not have a lot of credit, we made sure we took the option of paying the loan over a long time with a lower payment to be on the safe side, but the loan advisor has said they do not aim to penalise people wanting to get loans paid off a bit quicker, which is great. Ideally, we do not want to be in debt, but the situation called for it and I would ive Ulster 10/10

Review posted by Jacob Ali

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I live in Northern Ireland so it made sense to me to use Ulster Bank, but they serve everyone in the UK and Ireland so you can get a loan no matter where you live. They gave me a pretty high APR of 6.4%, but this was because I needed £25,000 (their maximum) for a new extension to my home.I finally paid off my mortgage last year and it was time to invest in expanding the home, so I thought I would find a loan to build the extra room, office, bathroom and small kitchen where I could receive clients. They spoke with me over the phone for 10 minutes, but then I set up an appointment with them in the local branch to discuss the details, as they wanted to know what kind of equipment I would spend the loan on and whether I had researched any options.It was a pleasant meeting and within 5 days the money was ready to use on my account and I began setting up my office. I am very happy with the services provided by Ulster Bank and can give a great review, recommending them to anyone who needs financial services in the UK.

Review posted by Morgan Birch

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Early this year, I decided to take a personal loan from Ulster. Even though they have efficient online application system, I decided to go the old-fashioned way because I am used to having face to face interaction especially when in situations that require clarifications. The customer service was exceedingly friendly and eager to help. They, at once, made me comfortable. Upon completion of my application, I was happy to be informed that my application had gone through. The money was to be sent to my account 5 days later. However, 2 days later, it was already in my account. Compared to my bank, their APR is significantly lower. Within 5 months, I had already completed my repayment. I am sure if I had taken the loan with my bank, it would have taken me much longer because of their higher interest rates. Given the wonderful experiences I had with Ulster, I cannot hesitate to recommend it to people like me in need of a loan.

Review posted by Alexander Byrne

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A Royal Bank of Scotland Group subsidiary, Ulster Bank provides loans to individuals in the UK and Ireland. Most of the loans are unsecured and are open to any kind of use you may think of without limitations. They have a representative fixed APR of 6.4%, but this change for each individual depending on your credit worth, the amount and if you are existing ufirstgold customer.The minimum loan you can get from Ulster is £1,000 and the maximum is £25,000. The payment periods are quite conducive with up to 7 years for those taking loans of more than £10,000, while those below £10,000 have a repayment period of 5 years maximum. The term can be extended to 10 years, if the loan will be used only for home improvement. Holiday lovers are not favoured by this loan since they have only one year to repay. The conditions on some of the uses of Ulster personal loans make it unfavourable and not strictly without restrictions as they advertise. This is a negative move on their loans giving them a bad rating.

Review posted by Spencer Glover

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On the surface, the rates offered by Ulster bank seem less attractive than some of the other banks. This can be a little misleading though. I made tentative inquiries with several lenders, and once I had filled them in on my circumstances, the playing-field was somewhat more even. I would definitely recommend that people thoroughly check into the rates. The APR quoted on the front page is rarely the one that you will get. This makes it easy to overlook a provider like Ulster bank that have a slightly higher rate on their front page. In reality, for me, they proved to be one of the cheapest options.Given the term that I was after and the amount I wished to borrow, Ulster bank were among the more attractive prospects and certainly the easiest to deal with. Perhaps I just called on the right day and spoke to the right person, but it did the trick for me. I am a sucker for good service but without the favourable rates on offer, I would have gone elsewhere. Ulster ticked both boxes though and I was thoroughly pleased on both counts.I can’t fault any aspect of the loan process. I have taken a few out before with various lenders and this surpasses all in terms of service and value. In today’s economic climate, it is a little more awkward to sign up for a loan, but this one was a breeze.

Review posted by Ella Miah

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What I was looking for in a personal loan was as long a repayment term as possible and with the personal loan offered to me by Ulster Bank I found just that. I was amazed to find out that I could enjoy up to 84 months of repayments, far more than I needed but a lot more than other providers - a happy medium!I understand that the interest rate may be slightly higher than other providers I had reviewed but as it was spread over a longer time period it was going to be much more manageable to do it this way. In fact I was particularly pleased with the interest rate they had given me; some of the quotes I had gotten from other mainstream lenders were actually higher! As I was a new customer I was able to take advantage of one of their lowest rates, the best thing is it's not just an introductory offer, it's fixed for the entire duration of the loan. A word to the wise, if you're anything like me, do not be put off by the name, it may be an Irish bank but you are still eligible – it took me a moment to realise too!

Review posted by Elizabeth Manning

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Ulster Bank provides personal loans to people who are 18 years and older. Applicants must permanently reside in the United Kingdom in order to apply. Ulster Bank provides customers with information on documents that they will need beforehand. They also have guides available which help you to be better informed before applying for a loan with them. You may apply online at any time for an Ulster Bank personal loan. They offer up to 10 years to repay loans in certain situations. For example, if you borrow money for home improvement you may have up to ten years to pay it back. You can use Ulster Bank's APR calculator before applying if you want to get an idea of how much you will be required to repay. You can pay as much as you want each month as long as you pay at least the minimum that is required. No penalties are charged on an overpayment that is below £10,000. Ulster Bank charges 6.4% APR on loans. This is among the higher interest rates which are charged by banks in the UK. While Ulster Bank's interest rates on loans are higher than those of some other banks, they are not the highest. Coupled with the fact that you can make repayments early without being penalised, get good customer support and get your loan approved quickly, this bank is a recommended option for people who need personal loans.

Review posted by Charlie Sutton

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I was very impressed with the service that Ulster Bank had provided to me. The whole process actually provided me with a much better loan offer than I would have ever got at a car dealership. I have been banking with Ulster Bank for a number of years which is why I decided to also apply for a loan with them. I'll briefly explain my experience with very simple process of applying for a loan. I began by applying online for an unsecured personal loan as it felt less intimating that way. They didn't disappoint me either as they made the whole process of applying for a loan so easy. I just had to input all of my relevant details and the amount I wanted to borrow. I applied for a loan of £7500 and was quoted an APR of 8%, I was happy with the repayments so I quickly sent the papers back. A little while later the £7500 that I had applied for had turned up in my bank account. Since receiving the funds I haven't looked back as the service provided has been sincere and completely satisfactory. They done exactly what they said on the box. I for one will always be a happy customer of Ulster Bank!

Review posted by Alex Humphreys

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A small scale bank chain which appears to use it's 'little' status to look after its customers is Ulster Bank. Current and previous customers of the bank have said that Ulster's staff are some of the most understanding, friendly and efficient out there. For new customers, they offer a slightly higher rate of APR than a lot of banks on the high street, but this is countered by the fact that they are more likely to lend, listening to the borrower's side of things and looking at bank statements, rather than reading solely from a credit report. Existing customers have reported that the APR for them was enough to keep them from going to other banks, and the bank make a conscious effort to ensure that payments are actually affordable. The payout speed by this bank is still quicker than average, with only a few working days being the average time before the money is ready to use. They will lend anywhere from £1000 to £25000 with the added benefit of a maximum term of 84 months; two years longer than most banks will allow on average. For someone borrowing the maximum from Ulster, these extra 24 months mean much lower, affordable payments, something which in itself has attracted newcomers over Ulster's high street rivals.

Review posted by Amy Ahmed

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Ulster Bank is one of the few banks in the country I will never ask for a personal loan. I was a customer to the bank for more than 5 years. I have my credit card and a current account with the bank.I approached the bank for a personal loan to pay for my daughter’s tuition fee. I approached the bank as a customer thinking that things would be easier for me. I was highly disappointed with the astronomical APR for such loan, which stood at 6.4 percents. When I compared that rate with what other competitors are charging for an equivalent amount, I discovered that the bank has been reaping its customers. When I enquired from them why they should charge such a high APR of 6.4, the customer service was rather rude in her replies to my query. She cannot even help me out in my other enquiries like repayment terms and other lending conditions. Instead of providing me with helpful answers, she referred me to their website.As far as I am concerned, it is either she is not a professional or she was not well informed about the operations of the bank. I later found out that the bank does not charge uniform APR, but I believe that the least they charge is 6.4 percents, which is exorbitant.I was not interested in the bank and I closed my account with them afterwards. To me, this is not a bank to do business with. The customer care service is not professional. I think they are worst personal loan providers I have ever encountered.

Review posted by Mary L. Hines

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Don't stare blind on the APR Representative! This is my advice to anyone who 'dares' to opt for a personal loan. In my case for instance.I am Boy Fowler, 23 years old. I just want to state here that in my case I opted for a loan of 7000 quid it all depends on more than just one single calculation. I went to the Ulster Bank and discovered that it comes down to one's personal situation. The 6.4% APR is only a rough measure and doesn't fit anyone's private situation. Better is to go to the bank itself and let them make a calculation based on YOUR circumstances, not anyone's else's.For me this means I'll stay with the Ulster Bank, despite all negative news about a 'high' APR.

Review posted by Boy Fowler

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Ok, I had a dream, which became reality last spring. My uncle owned a 1969 SS type Camaro, the absolute top when it comes to US cars from that period. He didn't used the car anymore and driving it became impossible as he suffers from post-traumatic dystrophy in his left leg.As of not using it the car was more inside the storage then outside of it, unfortunately I must say. A devastation place for a vehicle like that after some 'visitor's weren't easy with carrying paint and chemicals in and out without the knowledge of my uncle.When he saw what happened he decided to sell it before things got worse. To me! When I stopped 'wowing' I realized I didn't had the financial meanings of buying it.A visit to my bank, Ulster's brought relief as well as a solution. Slowly but sure my dream became reality. As of the damages to the bodywork it was estimated to cost only a £23,000 instead of the £75,000 when it was in top condition.Borrowing the £23,000 wasn't a big deal afterwards. I expected a lot of hustle and obstructions but to my surprise applying for a personal loan went quite smooth! Another piece of art saved from the scrapyard, with the help of Ulster's Bank I must say.

Review posted by Clark Fuller

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I consider myself to be a very lucky man to have 4 beautiful daughters but I have to say that every time one of them comes to me with their boyfriends and say Dad can we have a word with you, I know from experience it is going to be about one of two things which either way ends up being both things a little further down the road.So whether its a wedding followed by a baby or the other way round I know its going to cost me and the wife money. And that is why I have had to rely on a couple of personal loans with Ulster Bank in recent years.My first ever loan with Ulster bank was done face to face so to speak with the manager of our local branch but now that me and the wife are very good on the computer we applied for our second loan online and were just as satisfied with the deal we got.Well I've just had that conversation with the third daughter and another loan application is in the pipeline and Im happy to say the wedding is coming first and theres no mention of babies following any time soon!

Review posted by Tom Darragh

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My brother and I are splitting the cost of the surprise 50th wedding anniversary party that we are throwing for our parents. We have a large extended family and its not going to be a small or cheap affair. Unfortunately I'm not quite as well off as he is, although he thinks I am, and so my half of the money is courtesy of a personal loan with Ulster Bank.I have used them on a few occasions now for different things like my new kitchen and a trip to New York so maybe that's why my brother thinks Im so well off. Little does he know!

Review posted by Bernie Corcoran

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I've just moved back to London after spending the past year nursing both my parents who have dementia. My career as a journalist enables me to work from home so that was going to be too much of a problem. Unfortunately much as I wanted to continue caring for them both it just became too much and they both had to go into a care home.I took out a personal loan with Ulster bank for two main reasons. The first being to pay the deposit on a flat to help me get back into the property rental market and the second reason is to give me a bit of a buffer cash flow wise for when I need to jump on a plane to go and see my parents at short notice.

Review posted by Rita Devitt

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A personal loan with Ulster Bank helped pay for my wedding three years ago and now that it is paid off my husband agreed we should apply for another loan with them to help with some of the expense of renovating our very large but very dilapidated house.We couldn't fault the service we got with our first loan from Ulster Bank so it just made things easier for us to go back to them first to see if we could get a similar deal. And I very pleased to say Ulster Bank didn't let us down so I just wanted to say a big thanks to them for their continued great service.

Review posted by Katherine O'Hara

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When we got married last year we had managed to save most of the money ourselves and my parents gave us the rest. They are both retired now and the money they gave us was very much appreciated. They said they wanted us to use the money for a nice honeymoon but unfortunately the cost of the wedding escalated and we ended up using the honeymoon money as well but we didn't have the heart to tell my parents. As far as they were concerned we were postponing the honeymoon because of work commitments.A year later and we realised if we didn't have a honeymoon soon my parents would start wondering why. So thats where a personal loan from Ulster Bank came into play. We are off to the Seychelles next week for our honeymoon and as far as my parents are concerned its all down to their contribution.

Review posted by Kerry Byrne

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I dont mind admitting that I get a bit confused with all the different banks when you hear that they are called one thing but come under the banner of another one. So when I was looking for a personal loan and checked out Ulster Bank online only to discover they were part of RBS since 2000 I wasn't quite sure what to think.However, after doing the online application and then speaking to their customer services department I was much better informed by the whole subsidiary aspect of it and realised it was still the right loan company for me and as it had RBS to back it up it was a bonus as far as I was concerned.

Review posted by Sean Mulherne

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My wife and I took out a personal loan with Ulster Bank so that we could help both our recently married children get on the property ladder.We hated seeing them spend so much of their wages on rent and wanted to do something about it. As we had used up most of our spare money paying towards their weddings we decided the personal loan was our only option but as we both still work full time we knew the repayments wouldn't be a problem.My brother had just got a loan with Ulster Bank and said we should give them a try and thats just what we did and now that we have the money in our bank account we cant wait to tell the kids the good news.

Review posted by Robert Doyle

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The wife and me took out a personal loan with Ulster Bank to pay for our twin daughters 21st birthday party. When we asked them both what they wanted for their special birthdays we were expecting them both to say a car as they are both currently having driving lessons.But being the funloving couple of girls that they are we weren't really too surprised when they said they wanted the party. And thats what they are going to get next month and I hope to goodness they both give us a bit of time to pay back the loan before they start talking weddings!

Review posted by Bryan Murphy

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I have been banking with Ulster Bank since I started university nearly 10 years ago and then my first proper salaried job a few years later. So when I decided to get a personal loan to decorate and furnish my new flat it just made sense to me to approach Ulster Bank first.I am pleased to say I was right and the loan I have just had approved is perfect for my needs and with an affordable repayment schedule over the period I wanted I just know I am not going to have any problems. Sometimes it does pay to have all your eggs in one basket and in my case this is certainly true.

Review posted by Siobhan Kelly

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After being in my first proper job for over a year since leaving university I decided to apply for a personal loan to help pay for a decent car and the deposit on a flat that I am hoping to rent with my girlfriend. After checking out the loan comparison website we chose Ulster bank. Within a few days we had the loan approved and the money in the bank.Because we are both earning a good salary now we feel we are ready for the responsibility of paying off a loan for this amount of money and maybe in a few years time when the loan is paid we might consider the even bigger responsibility of a mortgage to buy our own property, but my girlfriends parents did say not to run before we could walk whatever that means!

Review posted by Aiden Clancey

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My wife and I will be celebrating our 20th wedding anniversary next month and I want to do something really special for her so decided to take out a personal loan with ULSTER BANK so we could have a week away together at some romantic venue. We do have some savings but decided against using it and applied online. It was all taken care of very quickly and after the usual verifications the loan of £3000 was approved and soon thereafter made available. The repayment term was 12months which suited us fine as the interest was so much less than an extended loan . Thank you Ulster Bank.

Review posted by Aiden Phillips

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For the last 5 years I have been relying on personal loans to pay for my annual cruise around the Med. It may not seem like a very economical way of paying for a holiday but the truth is that if it weren't for my personal loans with Ulster Bank I would not be in a position to indulge myself in this way. My wife and I both work but we never seem to get around to saving a bit each month for our holidays and so we both decided that as longer as we are both in full time employment we will rely on our personal loans to pay for those little luxuries.Although we always go online to check out the various loan options we are happy to stick with Ulster Bank as they are always as competitive as the other main banks which is fine by us. We feel comfortable dealing with Ulster Bank for our loans and so will continue to do so for the foreseeable future.

Review posted by Terence Murphy

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With all the modern technology available nowadays the world really is your oyster, especially when it comes to things like finding the best deals on personal loans. Even an old fogey like me can go online and check out the loan comparison websites which is how I ended up with the splendid deal I got with Ulster Bank for my current loan. I couldn't have asked for a better deal to suit my personal circumstances and the efficient way they processed my loan agreement meant I had the money in my bank account within a week of my initial inquiry. I really would like to say a big thank you to Ulster Bank for their help in sorting out the right loan for me.

Review posted by Ian Cardew

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Thanks to the advice and recommendation from an old university pal I have just got my first ever personal loan with Ulster Bank. When I first started looking into getting a loan I was a bit overwhelmed by all the different loans on offer and wasn't sure what I should be looking for in terms of interest rates etc.Ulster Bank have given me the complete package in terms of competitive interest rates and repayments affordability which my old uni pal assures me are the most important things to consider when taking out a loan like this. As he is now in a very important role in banking himself I am more than happy to take his advice.

Review posted by Jess Winsdale

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My fiance and I are getting married early next year and it is all thanks to the personal loan I have just got from Ulster Bank.When we first got engaged we started to save up for our wedding but then her father was diagnosed with cancer and she really didn't want to wait too long to get married and have her dad walk her down the aisle. We decided to bring the wedding forward with the personal loan to pay for it. So we just wanted to say a huge thanks to Ulster Bank for making things just a little bit less stressful for us at this difficult time.

Review posted by Logan McCafferty

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I got a personal loan with Ulster Bank to help my son and his wife pay for IVF treatment. After 5 years of trying for a baby they were becoming very despondent and had used up all their savings. We were very upset for them and my wife and I just wanted to do as much as we could to help them.The loan with Ulster Bank was purely to help pay for the next round of IVF treatment but within weeks of getting the loan our daughter in law concieved naturally and is due to give birth in December. By which time my wife and I will have returned from our cruise which was paid for by the loan from Ulster Bank!

Review posted by Stephen Briars

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I'm based in London but I travel all over the UK with my job and spend more time living out of a suitcase then I would like to. So when it comes to things like banking I really don't limit myself to any one particular bank or country for that matter.I chose Ulster Bank for my current personal loan as it was the most suitable for me current requirements and they are consistently competitive with the other main banks. If asked I would definitely recommend Ulster Bank but you should always do your research on the comparison websites first to make sure you are really getting the best deal at that particular time.

Review posted by Lesley Nugent

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My sister and her husband recommended the Ulster Bank when I told them I wanted to propose to my girlfriend and needed the biggest diamond ring I could afford to clinch the deal. They know how bad I am at saving for anything even though I have a great job that pays really well.I took their advice and got a personal loan with Ulster Bank and the diamond ring might not be quite Liz Taylor standards but my girlfriend was more than impressed and said yes straight away which makes me wonder if I might have been able to get away with something a little bit smaller!

Review posted by Eamon Bewley

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Me and the wife are off to Australia for Christmas and the New Year to spend it with her sister who she hasn't seen for over 10 years and we wouldn't have been able to do it without a personal loan from Ulster Bank.We have banked with them for most of our married life but had never used their personal loan facility before now. After checking out some other loan companies we decided to stick with Ulster Bank as we felt they were the best option for us and they knew our financial circumstances very well and so were able to put together a good agreement for us with easily affordable repayments.

Review posted by Dessie Clarke

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A work colleague recommended Ulster Bank when I told him I wanted to get a personal loan to pay for my daughters 21st birthday party. At first he thought I was joking when I told him how much it was going to cost but he hasn't got kids yet so he will soon find out. Up to now his loans have been to pay for exotic holidays and flashy cars.I don't bank with Ulster Bank but I had heard of them and so after giving them a quick lookover online I decided to go with them and Im very glad I did. They have approved a good loan for me and the repayments are just right for my budget so I might use them again for maybe a flashy car or exotic holiday next time!

Review posted by Niall Byrne

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My loan with Ulster Bank has just been paid off and I have been so impressed with the whole experience that I have applied for another one to pay for an extension on the house rather than move.My wife really only wanted to move because she wanted an en suite bathroom and a bigger kitchen so rather than go through all the upheaval of moving house we agreed to have an extension built.When we explained to Ulster Bank what we wanted the second loan for they were very encouraging and helpful and that made us feel we were making the right decision. All being well the extension should be finished in time for Christmas which is always a good time to have a big spacious kitchen so the wife says.

Review posted by William Hunniford

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I have a good, well paid job but it doesn't allow me to go overboard when it comes to holidays. If I manage a fortnight in Spain every year I consider myself lucky. But when it came to my honeymoon recently I knew a fortnight in Benidorm wasn't going to go down well with the new wife and as we had spent practically all of our savings on the wedding reception I knew I would have to borrow the money from somewhere to give the new Mrs Healey a honeymoon to remember for the rest of our lives.My brother told me to apply for a personal loan as he had done for the same reason and so I went to Ulster Bank for the simple reason that I had banked with them since leaving school and had never had a problem with them.Ulster Bank didn't disappoint, they approved my loan and transferred the money into my account within 7 days and I was able to book a surprise honeymoon to the Maldives which we have just returned from. What a great start to married life!

Review posted by Daniel Healey

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I don't bank with Ulster Bank but my best friend does and so when I was looking for a personal loan and my own bank refused me I asked him why he was with Ulster Bank and he said to just apply for a personal loan with them and see for myself.I took him at his word and I was pleasantly surprised at the response I got from Ulster Bank when I made my initial application online. Within hours Ulster Bank had contacted me by phone and before I knew it I had my loan approved and the money in my account by the end of the week. Im not saying I would consider changing banks but its nice to know that there are other reliable alternatives for a loan when your own bank is not an option.

Review posted by Vernon Pearce

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My wife is from Northern Ireland and when we got married she kept her bank account with Ulster Bank and has her wages from a part time job she does paid into it. So when we applied for a personal loan with my bank and we were refused I didn't think for one minute that we would get a loan with Ulster Bank based on my wife's salary. But i am very pleased to say we did and not only that but Ulster Bank were offering a much better interest rate. So I just want to thank Ulster Bank for their help and as for my bank well I wont name and shame them much as I'd like to.

Review posted by Adrian Gidmore

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I try to do as much work online as I can whether its food shopping or buying gifts for the family, so it made sense to go online when I was looking for a competitive personal loan to pay for a trip to Canada to see my daughter and her new husband. They had got married here in the UK 18 months ago and I had promised her on her wedding day that I would come and visit them as soon as I could afford it.It was thanks to searching on the loan comparison website that I saw Ulster Bank and after checking a few other loans I decided on them and I haven't been disappointed with the service I have received and the very competitive rates they quoted for my loan. I have now been able to book my flight to Canada to see my daughter for Christmas and I am very grateful to Ulster Bank.

Review posted by Louis D'Silva

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I have never been one to needlessly spend money and so when I was looking to take out a personal loan I spent hours checking out all the loan comparison websites and ended up being more confused than when I started. My wife then took charge and with her help I eventually decided on Ulster Bank. We did most of the application online but followed it up with several phone calls until I was satisfied that I had the right loan for my needs. After that Ulster Bank did all the work and very soon I had the money in my bank account and the only thing I was slightly worried about was that my wife never once asked me what I wanted the loan for. Its our 40th wedding anniversary soon so I'm guessing she has an idea what the money is for!

Review posted by Maurice Selby

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This is my third loan with Ulster Bank and I have never thought about going elsewhere because up to now I have been very happy with the loan arrangements they have offered me. I do check some of the other loan options first but for me it is not just about finding the loan with the lowest interest rate it is also about the customer service you get and the repayments schedule has to suit my budget otherwise it would not be an option for me. Ulster Banks loans have managed to tick all those boxes for me and so I cant say fairer than that.

Review posted by Frank McGettigan

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Now that I am semi retired I thought I would have problems getting a personal loan and when I got refused by a few of the so called High Street banks I started to look further afield and ended up applying to Ulster Bank for my loan.I waited with bated breath and was expecting the usual refusal but to my delight they agreed the loan in principal that same day and within a week they had done all the relevant credit checks and once I had signed the agreement my money was transferred within 24 hours. I would just like to say how pleased I am that I didn't give up after the first few refusals and also a big thank you to Ulster Bank for approving my loan.

Review posted by Aiden Finnan

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I got my loan with Ulster Bank to help pay for a new b wheelchair friendly bathroom and bedroom for my elderly mother who has just moved in with me and my husband.I really didn't want to see her go into a nursing home after my father died and the only option was to have her come and live with us.My mother and father banked with Ulster Bank for many years and when I told them that they were very kind and said that do their best to speed up the application so that we could get the work done as soon as possible.

Review posted by Deirdre Mulaney

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Even though I have moved to London I still prefer to bank with Ulster Bank and so it was only natural that I would go to them for a personal loan when I needed some extra money recently to help furnish my new house.Ulster Bank don't restrict their loans to existing customers but I do feel you get a little bit of extra care and attention when you have been a loyal customer of theirs for several years. Maybe I'm wrong and all their customers get a great service but that can only be a good thing I suppose.

Review posted by Grainne McSharry

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I have just bought the car of my dreams thanks to another personal loan from Ulster Bank. I have been a customer of theirs since I took out my first loan nearly 10 years ago and I always go to them first when I need a loan and so far I have not been refused.I like to be sure of the type of company I am dealing with and Ulster Bank have never given me cause to reconsider my decision to bank with them. I feel I have a very good relationship with them and I don't see any reason to change things at the moment.

Review posted by Paul O'Dowd

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The wife and I take out a personal loan with Ulster Bank every year to pay for our holiday. The amount we borrow varies depending on where we fancy going each time. Sometimes we venture as far as America where I son lives in California, but usually we are happy with a couple of weeks in Spain or Portugal. Anywhere where we are guaranteed a bit of sunshine.We have never really been great fans of credit cards and so apart from our mortgage and this annual loan we are never in debt to anyone and that's how we'd like to keep it. So as long as Ulster Bank are happy to give us our annual loan we will be happy to take advantage of it. There may well be more competitive loans to be had but at our age we like to stick to what we are familiar with.

Review posted by Eamon Devitt

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How I apply for my loans with Ulster Bank usually depends on whether my wife his at home because I am not very good with the computer and unless she is there to do the actual keyboard stuff I could end up in all sorts of trouble. She is actually typing this review for me and laughing her head off at the same time because she knows its true.Anyway I digress, the reason for using Ulster Bank is simply because we bank with them and have done for many years and if it wasn't for the great modern invention of computers and the internet we would be applying for our loans down at our local branch instead. Or rather the wife would be because I think I would still get myself into all sorts of trouble because our branch manager is a member of our local golf club and we have a bit of friendly rivalry going on at the moment and I wouldn't want to give him the upper hand.

Review posted by Declan O'Hara

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I have a great relationship with the staff at my local branch of Ulster Bank so the temptation to just go to them when I wanted to take out a personal loan was difficult to resist but my kids were on at me to get more experience of using the computer and the internet in particular and insisted I make an online application for the loan instead of wasting my lunch break trying to get an appointment with the loan advisor.I was worried that by doing the application online I would get myself in a bit of a mess but to be honest I was very surprised at how idiot proof the whole process was. I did make a quick call to my local branch but it was just to let them know that I had been approved the loan and that when they saw the huge amount of money in my account they weren't to assume I had won the lotto.I am busy using the computer a lot more now especially for a bit of online shopping for Christmas presents which is what the loan was for in the first place.

Review posted by Breda Hennessy

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The loan I have just taken out with Ulster Bank is a very big commitment for me and my wife but it is so that we can do some major home improvements on our house so that we can have her mother come to live with us. She was widowed last year and has been finding it very lonely living on her own even though we try to visit as often as possible.We were keen to make sure she didn't lose too much of her independence and so we are making sure the building work we are having done will provide her with her own kitchen and living room as well as a nice bedroom with en suite shower room. We want her to have her own front door so that she can have her friends visit without feeling they are intruding on us.Without this loan from Ulster Bank we would not be in a position to do this and being able to spread the loan over a 10 year period with a fixed interest rate is perfect for our financial circumstances.

Review posted by Liam Fitzpatrick

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After a lot of tears and tantrums from my daughter I agreed to take out a personal loan to get the money to pay for her to go on a hair and beauty course in London. I really wasn't keen on the idea but she had not been performing very well at school and I had come to the conclusion that she was never going to be the academic I had hoped for. She is the youngest of my three children and I suppose I wasn't being fair expecting her to follow in her sister and brothers step's and become a teacher like them.So I had a word with her father and we decided to let her follow her dream but it all depended on us getting a loan we could afford easily as I wasn't prepared to get ourselves in a whole lot of debt because of a dream that might not amount to very much.Thankfully we managed to get a reasonable interest rate on a loan with Ulster Bank and now that we have had the money put into our account we are busy getting our daughter booked onto the beauty course she wants and I am having to bribe my sister who lives in London to let her stay with her for the duration of the course. The things we do for our children eh!

Review posted by Michelle Doyle

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Never in a million years did I think I would get a personal loan with Ulster Bank. I had been with them since leaving school and getting my first job but to be honest I was a bit like a naughty school kid in the early days of banking with them, going overdrawn regularly and always losing my debit card.But I have grown up a lot since those early days and even though I don't earn a huge salary, I have been in steady employment since leaving school. So that must have counted for something because when I applied for the loan online I felt sure my past record would go against me and I would be refused. But it didn't and I have my loan which means I can afford the little sportscar I have had my eye in our local car dealership for a while and I just hope he hasn't sold it before I can get there.

Review posted by Tara Flynn

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I have been banking with Ulster Bank for a few years now and because I live out in the sticks as my friends keep reminding me, I tend to do most of my banking and shopping online.It is because of my addiction to the second one that I have just used the first one to apply for a personal loan with Ulster Bank.. It is coming up to Christmas and I like to get started early on the present shopping.I am only borrowing the minimum amount because I don't want to stretch my finances too much and the last thing I want is to be seeing in the new year with a huge debt hanging over me. I won't spend too much on the presents because after all it is the thought that counts and I still want to have some money left to buy a nice frock for the office Christmas party.

Review posted by Sally Murphy

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The wife loves our little house because it is within walking distance of her three sister's houses and not too far in the car to get to shops and things in the main town. But the problem is it is a little house and with our kids approaching their teenage years we need to do something to avoid the problems of who goes first into the bathroom every morning, which is already starting cause arguments.We decided that an extension on the back of the house giving us another bathroom and bigger kitchen, would be the ideal solution and so after a brief chat with our local builder we applied for a personal loan with Ulster Bank. Our nearest branch is in the town so we did the online application and were delighted when we were approved the loan for the amount we needed. It means having to take out the loan for a 10 year period so that we are able to afford the monthly repayments but as we probably won't be moving any time soon if the wife has anything to do with it, then it will be well worth the investment long term.

Review posted by Bryan Scanlon

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I have been working for lovely family as a housekeeper for the past 7 years and I really love the job. The family have been really kind to me and the children treat me like their third granny when they see me and always spoil me at Christmas.So when they announced they were putting the house on the market and moving to the other side of town I was devastated because it mean't I would find it very difficult to get to their new house by public transport.After talking to my husband he told me to brush up on my driving skills in his car at the weekends and we would get a loan to buy me a nice little car so that I could drive to work in future.So with the help of our son we went online and applied for a loan with Ulster Bank. We borrowed enough to buy a decent car for me and a set of golf clubs for my husband and I am still wondering how I got talked into that particular part of the deal, but I'm just so happy that I can continue to work for my lovely family in their new house.

Review posted by Anne Marie Boyle

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One of my friend from University is getting married and when the invite landed on the door mat my heart sank because the wedding is going to be in the south of France and I live in a sleepy little village in Northern Ireland and never have much spare money after paying all my bills each month.I really wanted to go to the wedding especially as my friend had made the effort to come to mine last year, travelling from Edinburgh to do so. So my husband told me not to worry and that we could afford to take out a small personal loan to pay for us both to go and make bit more of a holiday of it by staying for a week.We do all our banking with Ulster Bank and because of where we live the online facility is always our preferred choice for things and so within an hour of doing the loan application we were approved in principle for the amount we wanted. A week later we have the money in our account and I am busy booking our flights and planning my wedding outfit. I just hope my husband's suit from our own wedding still fits him!

Review posted by Josephine Darragh

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I can't compare my personal loan with Ulster Bank to any other loan companies because I have never had a personal loan before.I opened my account with Ulster Bank when I graduated from university and moved back to Northern Ireland and as I generally do most of my banking online I can't even say that I have much of a relationship with the staff of my local branch. But what I can say is that I have just had my loan approved within a day of my online application and I have been informed that the money will be in my account within 24 hours. I am really happy with the repayments they have worked out for me as it means I won't be struggling to make them each month which is the thing I was most worried about. So I would like to say thanks to Ulster Bank for making my first big financial commitment far easier than I thought it was going to be.

Review posted by Sinead Bragg

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My parent's passed away within weeks of each other and as an only child I have had to deal with the funeral and all the legal implications with regard to their wills.Fortunately for me, both my parents banked with Ulster Bank as do I and so it made things a lot easier when I dealing with the business of closing their accounts. Apart from the house, my parent's didn't have much to leave me by way of an inheritance but it was a lovely property in it's day and I knew that with a bit of modernisation I could restore it to its original glory if I could get the money to do it.Once the probate was sorted I applied for a personal loan with Ulster Bank to get the rest of the money I would need for the restoration work and because I had got to know the staff at our local branch during the last few weeks I went directly to them instead of doing an online application which would have been my preferred method of banking usually.At the end of the day there is a lot to be said for the personal touch and my dealings with the staff at my late parent's local branch of Ulster Bank was a very nice experience at such a difficult time and so I would not only like to thank Ulster Bank for the personal loan but also say a big thank you to the staff also. I won't mention any names but I think they will know who I am talking about if they read this review.

Review posted by Thomas Logan

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My girlfriend doesn't see eye to eye with her parents mainly because they don't approve of me and they haven't spoken to her since she moved in with me a few months ago. So when we decided to get married as soon as possible because we wanted to start a family of our own, we knew it would be down to us to pay for the wedding.We didn't want a grand affair and my parents said they would contribute a bit, but we still needed to get a personal loan. I had taken out a small personal loan with Ulster bank a couple of years ago to buy a car and I had been very happy with their terms and conditions of the loan and so I decided to go to them again.The whole application was done online this time because my girlfriend insisted it was the way things are done nowadays and before I knew it we had our loan and we're planning our wedding at this very moment. So while my 'wife to be' is busy on the laptop looking at venues for the reception I asked her to type this review on my behalf to say thanks to Ulster Bank.

Review posted by Sean O'Connor

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It is important that I have a reliable car for my job which involves a lot of travelling. I work at my local supermarket during the day but I have a mobile DJ business at night and weekends which helps to supplement my wages.After breaking down a couple of times recently on the way to venues I knew I had to get a more reliable car and the only way I could afford to do that is by getting a loan.My salary with the supermarket combined with my earnings from the DJ work enabled me to get a great loan from Ulster Bank. Because I bank with them they had proof of my overall monthly earnings and that was good enough for them so it would seem. Of course they did the usual credit history checks but I knew there wasn't anything to worry about so I just started looking for my next car even before the money was in my account because I wanted to be able to make sure I had a new car lined up as soon as the money was available. Being able to make a cash purchase mean't I was able to knock the dealer down on the asking price which made me very happy.

Review posted by Frank Gilligan

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I switched to Ulster Bank after many years of banking with another bank who I won't name, after I was refused a loan with them. I wasn't best pleased with them refusing my application because I had never gone overdrawn or had any credit history problems that might have had any influence on their decision.I didn't immediately apply for a loan with Ulster Bank because the original loan was no longer required thanks to a bit of help from my parents. But now that I have been with Ulster Bank a couple of years I decided to go to them for a personal loan to help pay for my wedding.I don't mind telling you that I was just a bit nervous when I was doing the online application but fortunately I didn't have to wait too long to find out if I had the loan and I am delighted to say I have been approved and the money should be in my account within a few days.I am relieved in more ways than one because I really didn't want to have to change banks yet again if I hadn't been approved the loan. So a huge thank you to Ulster Bank for having a bit of faith in me.

Review posted by Joan Murray

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My daughter is going away to university in England and my wife is getting herself in a bit of a state worrying about all the things that may or may not happen whilst our daughter is out from under the watchful eyes of her parents.We wanted to make sure she had a nice place to live and a bit of spare cash in her bank account for emergencies and so we went to our local branch of Ulster Bank to get a personal loan.We weren't sure what to expect because we hadn't taken out a loan with them before but we needn't have worried because they were very helpful and gave us a lot of guidance with regard to how much we could realistically afford to pay each month. So once we agreed on that the rest of the process was dealt with fairly quickly and we have just had a phone call to say the money was being transferred to our account today.So having just gone online and checked our account we are happy to say the money is there and we thought we would take the time to post this review to tell other people about our first time personal loan experience with Ulster Bank.

Review posted by John McAvoy

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I wouldn't dream of going to anywhere but my bank for a loan and that is because after banking with Ulster Bank for more years than I care to remember I have always been satisfied with the service I have received from them.When my daughter was getting married a couple of years ago I wanted to be able to contribute as much as I could even though she had taken out a loan herself to pay for the majority of it. That was my first personal loan with Ulster Bank and it worked out very well for me and so now that I have paid off that particular loan I want to borrow some money to pay for my wife and I to visit our daughter who has moved to America with her husband for his job.We have just done the online application and been approved the loan and my wife is over the moon as she has been missing our daughter terribly and can't wait to see her.

Review posted by Len Tooley

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I have all the family coming to me for Christmas this year and I suddenly realised my dining room furniture was not up to the task of seating my brood around the table comfortably now that they all had partners. On closer inspection my three piece suite wasn't looking too good either so I persuaded my husband to let us take out a loan with the bank to pay for some new furniture.We've been with Ulster Bank for several years and we took a loan out with them a while ago to pay for a cruise to celebrate our 25th wedding anniversary. That worked out very well and we have since paid it off so have no outstanding debts.Unlike the previous loan, we have used the online loan application route this time because we are much better with the computer these days and we managed the whole thing without having to rely on ringing one of the children to talk us through the procedure.So they don't need to know about the loan and we can't wait to see their faces when they see the lovely new furniture on Christmas day.

Review posted by Maureen Brogan

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My Godson is getting married and I wanted to give him and his new wife a bit of money to help them get started with the task of furnishing their new house. I knew their mortgage was going to stretch their finances a bit and so helping them to buy some of the essentials such as a bed and three piece suite was what I had in mind when I was working out how much I was going to give them as a wedding present.As my intention was to get a personal loan to enable me to afford this gesture, I wanted to make sure I was getting the best deal possible and for a number of reasons Ulster Bank came out on top when I started my search for the right loan. The fact that I have been a customer of theirs for the past 15 years might have something to do with it but I like to think my final choice was more to do with the competitive interest rate they quoted me rather than misguided loyalty.

Review posted by May Hewes

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My wife and I need to do some major alterations to our home as my son and his girfriend are coming to live with us.We need to do an extention to the huge garage we have, turning it into a bedroom with a small bathroom.The alterations will cost close on £11000, therefore as it falls under home improvement section we noticed that if we borrowed from Ulster Bank we could ask to pay over a longer period of time.This is exactly what we did. On the online application we requested to pay over 8 years so that the repayments would be affordable.Ulster Bank approved the loan and tks to them we will have our son move back in with us.My wife is over the moon and I'm happy I found this importante positive point in Ulster's information section.

Review posted by Peter Reid

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Im a 23 year old young man who has previously never borrowed money, except from my parents. I have a steady job and earn decent wages but get to the end of each month with just a little spare which I save religiously. Next month I'm getting engaged to my girlfriend and need to make a good impression, after all she will be my wife some day. The diamond ring I would like to offer her costs £2850, so the only way I could buy it would be by borrowing the £1000 that I am short of...as I've saved the rest. I carefully went on the Readies.co.uk website to try find the bank that I felt would give me the best offer. After reading through what Ulster Bank offers, who they are and reading some positive reviews from other clients, I felt they would be my best option. I applied on line and was rather excited when I was approved very quickly upon them checking all the info I gave them. I'm paying them back over 12 months which I'm able to afford. I'm happy with how they delt with my application.

Review posted by Alex Cooper

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I need to buy myself a nice second hand car as mine keeps giving me engine trouble and the repairs are killing me. Enough is enough. I've been looking for a good buy and found what I was looking for, a lovely Mazda, reliable and with low mileage. Its a private sale and the owner is a friend of my cousin's so I feel confident I'm not being tricked. Last week I reached an agreement with the owner. I put down a £2000 deposit to ensure that he did not sell it and I then quickly applied on line for the remaining £12000 from Ulster Bank. They interest rates seemed acceptable and I was able to ask for the loan over 7 years which lowered the monthly payments. Fortunately they were quick at saying yes, and the money was in my bank account yesterday. I'm writting this to let others know that this bank is reliable. Thank you

Review posted by Max Barnes

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I'm not Irish, but nevertheless still contacted Ulster Bank when I needed a £3000 loan last week. I did it because after using the calculator to try and work out what my repayments would be, I realised that they offered the best interest rates out of the 4 banks I had checked out. Also as they are a very well known bank I felt more comfortable that they would be trustworthy. I phoned them to apply as I like to speak live with a rep and not impersonally apply on a computer. I was lucky that they accepted to give me the loan, although they did say not over 12 months, they would only approve it over 24 months. I guess they did not want it to be, in their eyes, a risk loan. Ok so I pay a little more interest but indeed it will put me under no pressure at all, as the monthly repayments will be quite a lot lower. Thank you for caring Ulster Bank!

Review posted by Felicity Livingston

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My name is Monica and I live in Dublin with my 2 children, Mark 14 and Peter 19. I bank with Ulster Bank as have my parents for as long as I can remember. A few weeks ago I needed some funds as it was Peters birthday and I made the decision to offer him a small car. I opted for a mechanically sound car. The best price was £4000 and the only way I could get hold of the cash was via a loan. As my parents were adamant that Ulster bank was the best bank to deal with, I went with their opinion and filled on the application online. I asked to repay over 36 months and gave them all the required information that they requested. The loan was granted and the cash transfered to my bank account without delay. The application process was simple and there was no red tape. Its my opinion that they are indeed a good choice for a loan.

Review posted by Monica O' Brien

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I know a holiday is a luxury and I also agree with my parents when they say we should never fly now pay later... but I had worked so hard for the last year and badly needed a holiday. I had enough money saved for myself but I had met this lovely girl and really wanted to take her along but I did not have enough saved for her. With little choice I applied for a loan with Ulster Bank as I felt they offered a fair interest rate and fixed as well. The approved loan was to be paid back in 12 months as the loan was for a holiday and therefore they insisted it had to be paid over this period. I can accept that rule of theirs. Notwithstanding this point they were efficient and quick in the process and I´m grateful for the loan.

Review posted by John Carlton Smith

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I needed to acquire some funding for a big project and having been with the Ulster Bank for some years thought it appropriate to ask whether or not I could get a personal loan to achieve my goal.The bank personnel were very helpful when I phoned and answered my questions satisfactorily, so I gave it some more thought about pursuing the idea before applying on line for a personal loan.As I am a ufirstgold customer I was afforded a special rate, so when the calculations were done and the interest rate and repayment amounts showed up on the website, I was very pleased. I continued with the process and signed the forms and mailed them to the bank. Within just a few days the money was available for me to use, so I was able to go ahead with my project.

Review posted by Wendy Todd

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I am getting married and my fiance and I don't really have enough money to pay for the wedding so we decided to take out a personal loan so that our day would be as special as we wanted.I have been with the bank for a few years so figured I would qualify for a personal loan if all of bank's criteria was met. So we set about completing an application on line, having decided upon the amount we needed to borrow. The form was easy to fill out and when we received the response, the interest rate and repayment amount suited us, and we would be able to afford it, so we signed up and sent off the forms. The money was in the bank within a few days and we were able to continue planning for our big day.

Review posted by Louise Murphy

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When I was looking online for a personal loan I saw that there were quite a few lenders advertising loans with APRs well below the 6.4% my bank Ulster Bank were quoting as their APR Representative, but when I filled in my online applications with several of them those much lower APRs disappeared like scotch mist as soon as all my details were processed and the subsequent quote was sent to me. Typically, those low rates were just to reel people like me in.So having originally dismissed my own bank because of their advertised 6.4% APR Representative, I went back to them and filled out an online application which resulted in a very acceptable rate being quoted and a much easier and affordable repayment plan to suit me. I'm not sure that I would have got such a good deal with some of those other lenders regardless of the APR they were quoting.I wouldn't recommend Ulster Bank for everyone seeking a loan but if you are already a customer of theirs you are more likely to end up with a competitive rate that is tailored to suit your requirements and in my opinion that is just as important as a good APR.

Review posted by Jed Murray

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To help us out of a tight spot with our small B&B business we applied for a personal loan with Ulster Bank so that we could afford to do some much needed repairs before next seasons guests started arriving.We were making a good go of the business but we were aware that some of the decor was looking a bit tired and several of the bathrooms were in need of modernising if we were to keep up with the competition.We did look at a couple of online lenders first just to get some idea of what current interest rates are but opted to go with our own bank because we have been doing business with them for over 19 years since we first started our B&B and they have always been extremely helpful and understanding, especially during off peak seasons when the tourists are thin on the ground so to speak and our bank balance isn't looking quite so healthy.This loan will allow us to get the place up to scratch and looking much more welcoming to our future guests and we just wanted to thank Ulster Bank for the loan which will help us to achieve this.

Review posted by Maureen Clarney

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This is only my second personal loan from Ulster Bank in all the years I have been banking with them but that is not because I have gone elsewhere for previous loans, I simply haven't had to take out another loan with them since the first one nearly 10 years ago which was to help pay for my wedding.This time the loan is to help pay for my first proper holiday in as many years and as it may well be another 10 years before the next one I wanted to make sure this particular holiday was going to be memorable for me and my husband. The loan from Ulster Bank will certainly make sure of that the same way it did for my wedding and I couldn't ask for more than that.

Review posted by Francis Delaney

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My friend helped me do the online application for the loan I have just been given by Ulster Bank and she said it was only right that as I have been given a very competitive APR on the amount I have borrowed and the repayments are just right for my budget, I should post a comment to say just that.So that's why I am posting this comment and I didn't need my very bossy friend to tell me to do so because I had every intention of saying thank you to Ulster Bank for the loan which will now enable me to buy my first car, which my friend will have an opinion on no doubt.

Review posted by Morag Hennessey

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I am not one for using the internet much but I did go online to look at some loan comparison websites before applying for a personal loan with Ulster Bank.I just needed to see for myself that Ulster Bank were offering a competitive rate before I accepted their loan offer and I would have been very annoyed if I had just gone ahead with it before making sure I was getting a good deal.After clarifying the APR was acceptable I proceeded to do the rest of the application over the phone because I wanted to speak to someone and get their name so that If I had any further queries I could speak to them directly.So far I haven't had to make any further calls as the loan has been approved and the money is guaranteed to be in my account by next week. But if it isn't I know who to speak to.

Review posted by Denis Flaherty

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When it comes to banking in general and more importantly borrowing money, I prefer to use the traditional and well established methods. That's why I have only ever used my own bank when it comes to important financial matters.This recent personal loan to help pay for my daughter's wedding is no exception. Apart from my mortgage, this was going to be the single most important and expensive loan I would ever be taking on and it had to be right for me.I have been banking with Ulster Bank for many years and my local branch know me and my family very well so they were extremely helpful when I explained what I wanted with regards to a convenient and affordable repayment plan. And thanks to the staff at Ulster Bank, that is precisely what I have been given.I am very happy with the terms and conditions of the loan and that means my wife and I won't be worrying unnecessarily and we can just get on with helping our daughter plan her wedding.

Review posted by Richard O'Hare

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I bought a brand new computer for my birthday. Top quality and rather expensive. The other day by pure accident I dropped it and though upset; I just took it to the store as it was under guarantee. To my utmost surprise I was told that the guarantee only covers factory problems; not if It is our negligence! As I had not taken out insurance, breakage is therefore not covered. I sent it to be fixed agreeing to pay the costs but was told it may take 1 month to repair. As I need my PC to work; I decided to buy another one. I applied to Ulster for a £1000 loan , requesting to pay it over 12 months. The interest rate they offer seemed about right and not exagerated so I felt it was worth it. Their answer came quickly and they gave me the loan with no fuzz. Thanks to them I had a new computer in a few days.

Review posted by Fiona Aspin

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Last month for some weird reason I overspent a little..which is not wise as my cousin is visiting from Wales and I need to entertain her during her 2 week holiday. The solution was to apply for a personal loan. After some debate with my boyfriend, and after an hour of comparing the available options, we felt that applying with Ulster would be the best choice. We applied for 2000£ over a 2 year period being more than we needed , but agreed we would use the extra for Xmas gifts. Ulster were on the ball and once our application was approved the money was in my account. I think we chose the right institution.

Review posted by Sharon Moseley

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I have always wanted big breasts but was not blessed with them, much to my disappointment. The only way would be cosmetic surgery, something we could not quite afford. After some discussion with my husband he suggested we applied for a personal loan. He filled in the application form on line requesting £ 4000. We opted to pay it over 3 years, not to stress and to ensure we would not default. Ulster were very thorough and checked all the details we provided ,carefully. Once they were confident we were no risk, they granted the loan. We were both very excited. Next month will be the big day. Thank you Ulster .

Review posted by Gabriella Wessman

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I know, because friends and family kept telling me so, that I could have got a loan with a lower APR than Ulster Bank were advertising. But what they didn't know was that with my ufirstgold account I was eligible for a rate much lower than the 6.4% Ulster bank were advertising.What my friends and family also didn't know was that I had already gone online and looked at several lenders that were advertising lower APRs but once I'd filled in my loan requirement details the quotes came back with much higher rates.Personally, I would much rather go with my own bank who didn't use the low APR carrot dangling technique but instead actually improved on the APR advertised once I had made my application. That made it much more appealing to me and that is why I went with Ulster Bank for my personal loan and I have no regrets.

Review posted by Kenny Boyle

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My wife and I wanted to thank the Ulster Bank for this recent personal loan. We were in urgent need of a large sum of money to get repairs done on the roof of our home and we had already suffered some damage to the upstairs bedrooms which thankfully the insurance company were covering.But the roof was our responsibility and we had to get it repaired before any more bad weather caused further damage which the insurance company were not going to pay us for.We applied for our loan online but needed to speak to some one direct to clarify things as we had never done this sort of thing before. The young lady on the other end of the phone couldn't have been more helpful and she told us not to worry and that she would make sure our loan application was processed immediately.Here we are less than two weeks later and we have the money to get the repairs to our roof started immediately before the bad weather sets in.

Review posted by Sean McNeal

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My personal loan with Ulster Bank won't be paid off until I am in my 40's which is a really scary thought. But not because of the loan, just the thought of being 40!However, this loan is to enable me to renovate a beautiful little terraced house near the coast that I have just inherited from my grandmother and whilst I don't plan to live in it permanently, I will certainly be spending a lot of weekends relaxing there.I thought of going elsewhere for the loan but I have banked with the Ulster Bank for quite a while now and they have always been very helpful with any financial matters I have had to deal with and I felt happier taking out a loan over such a long period with them instead of a lender I had not dealt with before.They say better the devil you know, but actually the Ulster Bank are much more like a guardian angel to me at the moment. And as for the saying life begins at 40, well let's just hope that is true!

Review posted by Michelle F.

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I went to my local branch after recieving a terrible runaround situation with an online company called PersonalLoans. PersonalLoans wouldn't accept certain documents and it just seemed foolish. Ulster's has been my bank for almost five years now (25 year old £23,000 of credit £3000 in debt with 700 credit score) and approved me instantly for a £7000 loan I wanted to take out at a much better interest rate than quoted by other companies (240ish payments over 36months). Customer service is excellent and they really try the best they can to get you approved in no time. I would reccomend them to anyone, and it becomes even easier if you have a checking account as you can directly deposit the loan payments from your checking into the loan online instantly. As to the other reviews on here, this is a loan, of course they are going to check your credit. I feel they should have a much higher rating.

Review posted by Lucas Peterson

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've seen multiple negative reviews for using this option. I will say, in my experience, it was a breeze. It's unclear as to whether the other people reviewing were account holders with Ulster before applying for the loan. If you are, it makes it a lot easier. Especially if you are already approved for a Ulster credit card. Everything was pretty straight forward. As with all personal loans from a bank, you should expect to pay higher interest rates. As always, you must understand that YOU are ultimately responsible for managing the loan and making sure it is right for you. The loan officer will effectively be a sales person who is looking to sign you up for any service they can (it's a bank!). I got a personal loan to buy a used motorbike for my son. Loan process went off without a hitch due to me already hodling PNC accounts with direct deposit and a Ulster's card. The only negative thing I have to say is that the telephone customer support person I spoke to was a bit rude. I called for some initial information and with some questions. I don't think that she realized that I was already an Ulster's customer. She seemed annoyed with having to do anything for me other than fill out a loan application. Multiple times she sardonically laughed at my questions as though I should have already known the answer. This was disappointing but this is probably the worst experience I've ever had with Ulster's, which is excellent! In conclusion. If you are a ulster's member this is a great option. If not, you should be aware that Ulster's is on the conservative side when it comes to lending. You will have to do everything short of turn your head and cough to get a loan from them.

Review posted by Reggie Reynolds

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Being an existing customer of Ulster Bank with a ufirstgold account I knew I would in all probability get a very competitive APR well below the 6.4% Ulster Bank were advertising on their website.So I wasn't too tempted by some of the other lenders that were advertising lower APRs. I didn't see the point of having a ufirstgold account if I wasn't going to take advantage of it at every opportunity. This personal loan to pay for my daughters wedding was certainly the ideal occasion.So I ignored all my friends advice when they suggested other lenders because unlike them I was very happy with my own bank and this personal loan has only confirmed to me what a good service Ulster Bank have been giving me all these years.

Review posted by Robbie Kincaid

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Despite never having taken out a loan before and not being particularly good on the computer I am really amazed with myself for having just managed to apply for a personal loan online with Ulster Bank. I suppose where there's a will there's a way as my mum is always saying and I really needed to get this loan to pay for a trip to London for my old school friends wedding.Ulster Bank have just confirmed approval of the loan and the money is to be transferred to my account next week and I know I could have gone to my local branch to apply for the loan but it has been raining cats and dogs for the past few days and I didn't want to get my newly straightened hair ruined. Like I said, where there's a will ...!

Review posted by Aislyne Mc

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If I had been looking to borrow a lesser amount I may well have gone to one of the many online loan companies that I looked at on the comparison website. But this personal loan was for a very large sum of money and I felt a lot happier using my own bank for such an important financial commitment.Fortunately Ulster Banks advertised 6.4% APR was only a guideline and I actually got a much lower rate which just made it all the better and together with the very convenient and affordable monthly repayments they have set for me I am am more than satisfied with what I have just signed up for. But if I do have any problems Ulster Bank staff are at the other end of a phone line if I need to discuss things with them which is very reassuring.

Review posted by Kieron Whitley

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I always felt that taking out a loan was a bit of a tricky business but I had an emergency funding situation that I needed to resolve quickly. I decided to take the plunge and research on line for a good deal. I was pleasantly surprised to find that Ulster Bank offered varying types of time frames and interest rates and so went on line to apply.I pulled up the application and started completing it. I had a couple of questions so ended up calling their customer service. They were really helpful and put me at ease, answering my questions and offering suggestions. I completed the application and was pleased to discover that the repayment plan and interest rate offered were very acceptable. It ended up being a painless process and my emergency situation was taken care of shortly after applying.

Review posted by Andrew F.

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I had decided to take out a loan rather than use my savings for a holiday I wanted to take. I did some research as there are so many lenders out there in the market place. I picked Ulster Bank as it offered varying rates of interest depending upon the amount you borrowed. I got a special rate as I am an existing ufirstgold customer, so that was a definite bonus and I did not have to look any further than my own bank.The application process was simple and understandable and I submitted the form on line. I thought I would have a long wait to find out if I had been accepted, but low and hold in a short time I found out I was successful and the funds were available within no time at all.

Review posted by Tony Folsom

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After my husband died I made the decision to sell the family home and move to something smaller. I also wanted to be nearer my daughter and my grandchildren.. However it proved to be a difficult thing to achieve because there were no really suitable places near enough to my daughter. In the end we decided that my daughter should move in to the family home and I would have a small annexe built onto the side of it. The house is on a large plot so there is plenty of room.There were two things to consider, firstly getting the planning permission and secondly getting the money to have the work done.Well I am pleased to say that loan from Ulster Bank was by far the easiest thing to obtain and they were extremely helpful throughout the whole process. As soon as I got outline planning permission to go ahead with the work the bank were ready to activate the loan and get the money into my account. They co-operated with me right from the very beginning and made the situation with the planning much easier to handle.The work has just started on my new little home and I couldn't be more delighted to know that my daughter and her children are going to be living in the home that holds so many happy memories for us and I think my late husband would have been delighted too.

Review posted by Betty McNamara

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My ufirstgold account is finally paying off with this personal loan from the Ulster Bank. Even though they advertise an APR of 6.4% I was hoping I would get a more favourable interest rate and I am glad to say that was the case.I hadn't borrowed from Ulster Bank before even though I have been a customer of theirs for several years but when I bought my first home and realised it would require some major alterations to make it more suitable as a family friendly home, I decided to get a personal loan and proceed with the work sooner rather than later.So now the work is well under way and the loan has been set a an APR which I am very happy with, it would seem that the home improvements are going to add a considerable bit more to the value of the property so it won't be very long before I am even better off that when I started.

Review posted by Roland Kavanagh

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Getting a loan from Ulster Bank to pay for my daughter's wedding was always going to be one of the biggest financial decisions my wife and I had to make but we couldn't thank Ulster Bank enough for all the help and advice they have given us throughout the process. With the knowledge that we have two other daughters who may well be getting married in the not too distant future we wanted to make sure we had paid off this particular loan in as short a period as possible but with repayments that were within our affordability. Thanks to the sound advice from the loan adviser at Ulster Bank we have just the right loan to suit our requirements and as our two younger daughters are still at school and university we are hoping the next loan won't be needed for a few years!

Review posted by Gerry Maguire

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Most people find they could do with that little bit extra money at Christmas time and I am no different. As long as my three children continue to give me grandchildren I will always need to find a bit more each Christmas. This year all three of my grandsons want bikes and I want to be the one to buy them for them. That is why I have taken out a loan with Ulster Bank this year. They have approved me a loan with a very reasonable interest rate and I will have paid it back long before I need to buy the next lot of bikes. My own children keep telling me not t be so generous but it is worth every penny for me to see the smiles on my grandchildren's faces on Christmas morning. I'm not looking forward to the time when they out grow their bikes and starting wanting cars, but that's a long way off and perhaps I'll just let the parents deal with that one!

Review posted by Martin Mulherne

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With this loan from Ulster Bank I am able to help my sister and brother buy my elderly parent's home. We had been talking about it for some time and we wanted to do some renovations to make it more comfortable for our parents and to relieve them of the burden of the costs of maintaining it also. The money we pay our parents will be put to very good use as they both still like to travel especially to New Zealand to see our other brother and we want them to be able to do that for as long as their health will allow them.Ulster Bank have been brilliant throughout the whole process and we just wanted to post this review to say how grateful we are to all the staff for the help and advice, especially with the legal side of things. They really have proved to be more than just a bank and we are delighted we went to them for this loan.

Review posted by Oonagh Mc

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Being a ufirstgold customer came in very handy when I took out this personal loan with Ulster Bank. It meant I got a very competitive APR on the loan which was so much much better than the other lenders I had looked at. I am so glad I stuck with Ulster Bank over the years because it really has paid off in so many ways and I don't think I would need to go elsewhere when I need another cash injection unless of course someone is giving it away. Oh well I suppose one can dream sometimes, but thank you anyway Ulster Bank!

Review posted by Catherine Sheridan

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My husband and I are taking our children to Canada to meet their cousins for the very first time over the Christmas holiday and it is all thanks to the personal loan we managed to get from Ulster Bank.We had been trying to save up for the trip all year, even foregoing our usual 2 weeks in sunny Spain in the Summer but we were still far short of what we needed to book the flights and so we made the decision to take the pressure off ourselves and just get an affordable loan.I went to our local branch because I know most of the staff very well and felt more comfortable dealing with them face to face and they couldn't have been more helpful. They were delighted when I told them what we wanted the loan for and some of them even remembered by brother from their old school days and asked me to pass on their best wishes to him when we got to Canada which I thought was a lovely thing to do and that wouldn't have happened if we'd done the loan application online so I am really pleased I decided to do it through our local Ulster Bank branch.

Review posted by Teresa Mac

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Having just paid off the first loan I took out with Ulster Bank to pay for the small extension on the back of our house my wife has now persuaded me to take out another one with them so that we can go on a much needed break to Portugal for Christmas and the New Year.We don't have any children and to be honest some of our very best friends now spend most of the winter in sunnier climates like the Algarve, which is where we are heading for this time. We are only planning to stay for 3 weeks but maybe next year we will take a leaf out of some of our friends books and escape the British winter altogether. We might need to get a bigger loan from Ulster Bank next time, but it has certainly given us food for thought.

Review posted by Ronan Doyle

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I got a great loan from the Ulster Bank and it means that I can finish the work on our house in time for my wife's family visiting us in the new year from America. We had started the work but ran out of money and were thinking of leaving it until the new year to save up a bit of cash but then the wife's sister rang to say she was going to come and visit us just after Christmas and the wife started panicking and I knew I had to do something about it.I have used Ulster Banks loan facility a number of times over the years and they have always been fairly competitive and so I just went back to them and explained the reason for and the urgency of this loan. They couldn't have been more helpful and once the loan was agreed they told me to go ahead and order the materials needed to finish the work and they would guarantee the money would be in my account in time to pay all the suppliers. They were true to their word and the work is going ahead and if all goes well the only thing our visitors might have cause to moan about is the smell of new paint.

Review posted by Sean O'Hara

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I want to thank Ulster Bank for this personal loan and to say that I have been most impressed with the way they have handled my application from start to finish. I wasn't quite sure what I was looking for in a loan but I knew how much I needed to borrow and how much I could afford in monthly repayments.When I told them that they said to leave it with them and before I knew it they had come back to me with a very agreeable loan and the two important factors the loan amount and monthly repayment were not forgotten. I like it that they had taken on board my requirements and not tried to force me into borrowing more or less than I needed or taking on monthly repayments that I would have struggled to meet. If I need another loan I will certainly go back to Ulster Bank as I feel I can trust them to do the best their customers.

Review posted by Dennis Murray

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If it wasn't for this personal loan from Ulster Bank the children would be waking up to a much smaller pile of Christmas presents under our tree.We have had one disaster after another in the last few months from burst pipes to cookers blowing up and the little bit of money we had been saving for Christmas was spent on repairs and replacing the cooker.My wife suggested we get a personal loan rather than disappoint the children who were hoping "Santa' was going to bring them new bikes and so we popped into our local branch and had a chat with the loan adviser.Within less than an hour we had been approved the loan and the money has just been transferred into our bank account today which is why we thought we would post this review by way of saying thank you to Ulster Bank for making sure Santa doesn't let our children down this year.

Review posted by Michael

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I can thoroughly recommend Ulster Bank for anyone looking to take out a personal loan if my recent experience is anything to go by. I was a bit wary of getting this loan because you hear all sorts of horror stories about people getting themselves in debt when they have borrowed money they cannot afford to pay back. But this wouldn't happen if you took a loan with Ulster Bank because they are very responsible lenders and do a thorough check to make sure you can afford the monthly repayments easily and they take into consideration all your other financial commitments as well. That's what they did for me and my wife and so I felt very much happier knowing that they judged us to be suitable candidates for the loan.

Review posted by John B.

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I am so grateful to Ulster Bank for approving my personal loan and getting the money to me in time for Christmas. I really didn't want to have scrimp on anything this year because my in-laws are coming and my mother-in-law would just love to have something to find fault in. She makes Hyacinth Bucket seem laid back and that's no exaggeration!We're not long in our new house and there is still a lot of work to be done on it but I wanted the dining room in particular to look nice and so the loan is being spent on a new table and chairs and a very posh dinner service.I am still looking forward to Christmas though because after a few sherries my mother-in-law let's her hair down and behaves more like Patsy from AbFab and that's more my kind of lady!

Review posted by Jackie O'Hagan

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I've always got on well with the staff at our local branch of Ulster Bank and I am always popping in there for one thing or another but I decided to apply for this personal loan online because I wanted to prove to myself that my computer skills were still in evidence. 'Use it or lose it' my husband is always saying and so I could see he was very impressed when I told him I had sorted out our personal loan without having to leave the house. I don't think he believed me even after the funds were in our bank account so I am posting this review to show him and also to thank Ulster Bank who have been very efficient in dealing with our loan application.

Review posted by Eileen B.

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My spouse and I had decided to do some remodeling in our house, our kitchen was in need of a major overhaul, new appliances, cupboards and shelves and flooring. When we priced it all out, it came to a lot more than we had imagined and our savings would not cover the costs. A personal loan seemed a good idea if we could find a lender that would not make us pay a ridiculous amount of interest over a loan period that would not be long enough.A friend told us about Ulster Bank and that they had borrowed money from them at pretty reasonable rates. We looked at a few other lenders on line and read up on them, when we looked at the website of the Ulster Bank we saw that if you borrowed money for home improvements they would give you an extended term to pay the loan back. Well that was just what we had been thinking about.We called their customer service and the loan person helped us through the process of applying. We visited the branch a few days later and was greeted with the news that we had been accepted for a loan. This was an easy process and it was just what we wanted, a longer term to pay with a reasonable interest rate.

Review posted by Peter Jacob

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My fiance and I were making plans for our wedding and the budget kept growing. There were so many nice things we wanted for our guests and the hotel was a bit spendy, but it was a beautiful setting so we decided to keep our plans and take out a personal loan if we could. We both have pretty good jobs so repayments would not be a problem, as long as the interest rate was not too high.We did some research on line and looked at several companies and banks that were offering loans. We found the Readies website and that was a great help in assisting us to make our decision.We picked the Ulster Bank because of the different options they advertised, and proceeded to fill in an application. The form was pretty straightforward and we picked the amount we wanted to borrow. It was not long after submitting our completed application that we had a response. They offered us the personal loan we wanted over an extended period which was great news. We are so pleased to have chosen the Ulster Bank for our needs.

Review posted by Sofia Lang

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I just had to write a review about my great experience with the Ulster Bank. I wanted to upgrade my vehicle and having been a customer of the Ulster Bank for some time, decided that I should approach them about a personal loan for a newer model of car.I had not applied for a loan before so was a bit nervous but when I spoke to the customer service desk at the bank, they put my mind at ease and said I could either go into my branch or go on line. I said I would like to do this in person, and we made an appointment for me to visit with a loan officer.What a nice lady the loan officer was. She helped me complete the application and showed me what kind of interest rate I was looking at and what the repayments would be. They did have a file on me, but I understood that they needed to do credit checks and verify my salary etc. But I have to say this was not a nerve racking experience and I was very comfortable working with the loan officer. She called me a few days later and said that I had been offered the personal loan I wanted, with the terms and conditions we had discussed. This was wonderful news and I thanked her for her assistance. This was a totally painless process.

Review posted by Lydia P.

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I really wanted to make a dent in my student loans, they seemed never ending and the interest rate just kept piling on the balance. I wondered about getting a personal loan from my bank and cutting the interest rate to a more doable payment. I started off my financial history with the Ulster Bank and was a ufirstgold customer. So reading up on their statement of terms and conditions, I saw that special rates could apply because I was an existing ufirstgold customer.I did not have time to visit the bank so went on line and filled out their form. It seemed pretty simple and probably helped that I was already a customer. I submitted the form with some additional information about why I needed the personal loan. Within a few days I received an email asking me to call the bank or stop by. I called them and they explained that I had indeed been offered a loan with a special rate. This was really good news. I went into the branch and signed off on the documents. They deposited the money into my account and I paid off my student loans. Super bank to deal with, highly recommend going to them for your financial needs.

Review posted by Terry Young

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I am a sucker for taking out those 0% credit cards and have got myself in a right pickle. I usually transfer balances which gives you some flexibility in paying down faster the amounts you charge. As of late, no other 0% rates have come up and I am stuck with cards carrying a high percent rate. It was time to get my act together and consolidate these amounts.I went on line and had a look at different lending institutions. I studied their terms and conditions of many and picked the Ulster Bank to make an application. Their website was self explanatory and the process explained seemed very simple and undemanding. So I went ahead and made an application to them for the amount I needed. A few days later I received a phone call to say that I had been offered the loan I wanted and I should stop by the local branch and sign the documents needed to secure the personal loan. I was happy to hear that the interest rate was totally doable as were the monthly payments. I appreciated the Ulster Bank coming to my rescue and I shall be more careful in the future.

Review posted by Derek F.

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We are going on holiday over Xmas and New Year. Hurray!! We going to the Algarve in the South of Portugal for 2 weeks. The weather is magnificent , seems like summer. I saw it on internet and double checked with a friend who lives there. No rain and plenty of sunshine. I borrowed £1000 form Ulster Bank over a 12 month period,as for a holiday they only lend over this period of time. Its fair enough, as I want to have the loan paid back by next year, in case I need to borrow for next years Xmas holiday, again. What I liked about using Ulster bank is that I did not have to apply on line, I actually went over the counter and dealt face to face with a representative, who was very helpful. Portugal, here I come:)

Review posted by Martin Wessman

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Last month my family and I decided that it was time to do some alterations and home improvements to our house. As we have paid off our mortgage it seemed to be the right time to make this move. I checked with a few banks as to what they offered, what the rates were like and if there were hidden charges. I noticed that Ulster Bank was one on the short list that allowed repayments for home improvements to be over 10 years. We didnt want to push it that long, so applied over 8 years for the £8000 we needed . The interest rate they offered us was fixed, so at least we knew excatly where we stood and in fact the installments were a little lower than what we had expected. Overall I feel we got a fair deal and were well treated so I cant complain. Furthermore, as they were quick at approving the loan, our alterations were finalised today, in time for Xmas. We are very grateful to Ulster.

Review posted by Peter Washington

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It is the right time of the year to buy a new car. December...just before the New Year. Start 2016 with a bang :). I applied on line for the £12000 that I needed with Ulster. I could have applied with any other bank, as there are so many available, but I have borrowed from Ulster before, and previously my account was well looked after by them with no nasty surprises of extra fees...so I thought rather stick with the same bank. Also they allow repayments of this amount over 7 years, which suited me fine, so to keep the monthly payments as low as possible. The car only cost £11000 but I asked for 12K just so I could use the extra 1K on Xmas presents. Another thing I appreciate about this bank, we can use the money for almost anything.

Review posted by Mike Frime

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My name is Louis Evans, Im a single man with a fiancé who adores to travel. As Xmas is upon us and the weather is so depressing and grey in the UK, my finacé Fiona asked if her Xmas present could be a holiday to Maurituis. Rather an expensive gift but she deserves it and I need a holiday in the sun too. I had saved some money so only needed to take out a personal loan for £1500, to ensure that we had plenty spare cash. I applied with Ulster bank for this amount, by going to the bank itself. I gave them all the information they needed, regarding what my wages and expenses were, gave them all the Identification documents and then waited. I was pleased that the APR rate was below the expected 6.4% and that the installments were very affordable. Anyone needing a loan , uncomplicated, I suggest they try Ulster, as with us it was approved rather quickly.

Review posted by Louis Evans

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Ulster Bank was the bank I opted for after searcching on-line for a bank that gave me an affordable deal. We needed a £3000 loan for our wedding reception and they appeared to be a good choice. The interest rate is fixed, the spread seems to be about average and it seemed easy to fill in, the on line application form. They did not ask for any collateral against the loan which was a strong point too. They looked into my background history and agreed to grant me the loan over a 24 month period. There was no hazzle and the whole procedure was simple. The funds were in my account in a few days. I like simple things and will pay more if need be, just for things to be smooth. So, overall, Im pleased enough with Ulster Bank.

Review posted by Molly Franzel

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We had a big event this summer as my daughter and soon to be son- in-law were celebrating their engagement. As parents we felt it was our duty and obligation to pay for this special celebration, specially as we approve of her choice of life companion. He is a lovely Irish young man studying to be a chartered accountant and has a lovely character. The event cost us £5000 but it was worth every cent. As we also bought Natalie a small car, we felt that taking out a loan with Ulster bank over a 2 year period would be better than digging again into our savings, so applied on line for the loan. We found it to be easy to apply, although we are not experts on computers. Ulster Bank was quick at giving us an answer and a positive one. The interest rate is fixed which suits us. Thumbs up for this bank.

Review posted by Henry Perkins

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At the beginning of December I had a list as long as my arm of important things to do. The most important being to apply for a personal loan so that I could afford to do the rest of the things on the list! Being a busy working mum I enlisted the help of my husband with the loan which turned out to be a big mistake because he forgot all about it and a whole week was wasted in the process.So as usual in our house, if you want a thing done quickly and properly, just do it yourself. I got straight on to the laptop and sorted out the application and after a couple of days and a quick call to their Customer Services department my loan with Ulster Bank was sorted and crossed off my list.Now its on to item No.2 finding a turkey that's big enough to feed our brood on Christmas Day and maybe have a bit left over for Boxing Day. As there will be 16 in total sitting around the table that's going to have to be one heck of a turkey and I just hope the oven is big enough!

Review posted by Christine L.

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Normally I would not bother with the online facility when it comes to getting a loan because I prefer to deal with a loan adviser. But I had been laid up with a broken foot and the thought of hobbling down to my local branch was too much to contemplate. So with my wife's eagle eye looking over my shoulder I applied for our personal loan on Ulster Banks website.I have to confess I was rather impressed with how easy and straightforward it all was but I did make a phone call to our local branch afterwards just to let them know what I had done and to ask them some advice about transferring some of the funds to our daughter who is teaching in Japan at the moment and needs a bit of extra cash from us. They were very helpful and said they would arrange the transfer as soon as the loan money was in our account.So on behalf of me and my wife I would like to say thank you to Ulster Bank and wish all their staff a very merry Christmas and a prosperous New Year.

Review posted by Frank B.

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Ulster Bank approved my loan just in time for Christmas and although I didn't need the loan for Christmas it was nice to know that the money was there in my account if I needed it.I actually needed the personal loan to pay for some very boring but much needed work on my house and it was so boring that I couldn't contemplate doing the work myself no matter how much money it saved me.So before the Winter really sets in I am paying someone else to insulate and then do the re-pointing on our very charming but very old Manor House and it will be worth every penny although my wife doesn't agree with me one little bit!

Review posted by David A.

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Without the personal loan that I have just got from Ulster Bank I would be scraping together the money to pay for a newer car and that wouldn't have amounted to much. I had been needing to replace my old car for quite a while but other things took priority and of course with Christmas as well it meant there was no way I would be buying another car for the time being.My wife suggested getting the loan because for one reason she was fed up with the look of the old car and more importantly she was embarrassed every time we couldn't get it started in the morning and she was late for work because of it.That won't be happening again because along with the new more reliable car I will be taking out breakdown recovery service cover just to be on the safe side and that was my wife's suggestion as well.

Review posted by Dan Perkins

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In my line of work being in the building trade nothing gets done on site during the Christmas break right up to the new year but I am glad to see that the banking industry doesn't keep to those rules otherwise I would still be waiting for my personal loan.It was a spur of the moment decision to visit my brother in New York for his 40th birthday next February and I needed to borrow the money to pay for the flights preferably before the new year before flight costs went up.Well I am delighted to say that Ulster Bank don't rest on their laurels and I have just been approved my loan and after I say a big thank you on this review post I will be getting straight down to the task of getting my flights booked and to make up for the Christmas present that my girlfriend was so obviously not impressed with I am paying for her flight also otherwise my life won't be worth living for the next year!

Review posted by Eamon Aherne

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Getting special rates on my personal loan from Ulster Bank because I have a ufirstgold account was a very nice bonus indeed because in all fairness to Ulster Bank I was already very happy with the original rate they quoted online. But I have learned to keep my thoughts to myself when it is in my best interests and so I didn't let on, if for no other reason than I would have got one hell of a dig in the ribs from my wife who insisted on coming with me when I followed up my online application with a visit to our local branch.So I am posting this review to say thank you to Ulster Bank for the loan and when I go off car hunting next week I shall keep that to myself too because believe me it is in my best interests not to let the wife have any input into the purchase of my new car.

Review posted by Robert Hagan

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When I got the approval on my loan from Ulster Bank I did a daft thing and tried to do a cartwheel in the middle of the living room. The result was a broken foot and a broken ornament and the sad thing is my wife was more upset about the broken ornament!So even though this loan was taken out for the sole purpose of upgrading my car I am under strict instructions to replace the broken ornament before I spend a single penny of the loan on my new car. However, as I shall be on crutches for several weeks and unable to drive, it will be up to the wife to find the replacement ornament but I wouldn't do another daft thing and let her go shopping for my new car. I'm more than happy to wait until I'm back on both my feet again!

Review posted by Nick Byrne

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I looked at other lenders before deciding to make use of my ufirstgold current account with Ulster Bank. If they could match or even beat some of the competitive loans that were available then it would be silly of me not to go to them instead of chancing my luck with a loan company I hadn't had any previous experience of dealing with.Ulster Bank were able to oblige and I am delighted to say that I have just got approval on a very good loan and the terms and conditions of the loan are more than ok with me. I don't think I could have got a better loan package with any one else and I think that is one of the reasons why the ufirstgold account appealed to me when I first started banking with Ulster Bank.I must see what other benefits are on offer for us ufirstgold customers just in case I am missing out on other great deals.

Review posted by Shannon K.

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Ulster Bank have proved to be a very supportive bank to me over the years. They have helped me when my business was struggling and gave me good advice throughout the years I have been a customer of theirs. So its no surprise that they have been so helpful and accommodating with this loan.I am semi retired now and my son is being groomed by me to take over the reigns of the family business so to speak and for the first time in many years me and the wife feel happy to take some much needed time off and go on the cruise we have been promising ourselves for ages.Ulster Bank gave us the loan within a day of us speaking to the loan adviser at our local branch and that speaks volumes as far as me and the wife are concerned. We feel they have treated us so well and that we are a valued customer of theirs and for that reason we wouldn't dream of going to anyone else for our loan.

Review posted by Niall Callaghan

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Being an Ulster Bank ufirstgold account holder may or may not have had some bearing on the speed at which my personal loan was approved and finalised. I was hoping to benefit from the special rates they were advertising but I thought it would take a while for things to get processed and I had some concerns that the money wouldn't be transferred in time for me to buy my new car at auction.Thankfully that wasn't the case and I was able to go to the auction with the money on hand to be able to pay the holding deposit on the car I was hoping to have a successful bid on. I didn't buy the intended car but instead I ended up with a real classic of a car that far exceeded my expectations and I think it is safe to say that I won't be looking for a loan to buy another car any time soon because the car I have just bought is like a fine wine and with my my care and attention it should see me well into my old age, long after the loan has been paid off.

Review posted by Owen Fogarty

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I hope everyone else's new year starts off as well as mine has. I am absolutely delighted that Ulster Bank have approved my personal loan and it means I can afford to replace the central heating system in my parents house as a sort of belated Christmas present.I live quite a distance from them and only get to see them 3 or 4 times a year and when I last saw them in the summer of course I didn't pick up on the fact that their central heating was virtually non existent. It was seeing them at Christmas and realising the open fire in the living room was the only real source of heat for them and I was appalled that they had not said anything to me.Their stupid pride wouldn't let them and I suppose I can understand that but the thought of them going through this winter in a cold house broke my heart and I had to get straight on to my bank and see about getting a loan to pay for the central heating to be fixed or replaced.Ulster Bank were absolutely marvellous and said they would do their utmost to process the loan for me as soon as possible and they have just confirmed the funds are being deposited into my account tomorrow and I am going to get straight on to a local heating engineer and organise the work immediately.I just wanted to say a huge thank you to Ulster Bank for responding so quickly to my loan application and I really can't thank them enough but I hope this review goes some way to doing that.

Review posted by Sheila Boyle

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I am very satisfied with the loan Ulster Bank have just approved for me. I have had a loan from them before but that was several years ago and I can't remember the APR I was charged at the time but I must have been happy with it although there weren't quite so many alternatives to going to your own bank for a loan in those days so it may not have been quite as competitive as this one.Applying for the loan online was a first for me and was very handy because I don't live as near to my branch as I used to and it would have been inconvenient for me to get there. But I did follow up the online application with several phone calls to the loan adviser at my local branch who was extremely helpful and helped me to eventually end up with the most suitable loan arrangement for my needs.If I had to find anything negative about this particular experience it would be that my ufirstgold account didn't really appear to be of much use with regard to special rates but the overall package suits me very well so I can't say that I am not happy with end result.

Review posted by John Carnegie

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I am a ufirstgold account holder at Ulster Bank and that's one of the reasons why I applied for my personal loan with them rather than one of the online lenders that most of my friends tend to use.Better the devil you know I think when dealing with money and the Ulster Bank loan is as competitive as the other lenders so I am not really missing out on any great deals. In fact my ufirstgold account means I can get special rates making it an even better option for me.I have a good relationship with the staff in my local branch and its nice having that personal touch especially when you have qeuries. Just being able to pick up the phone and speak to someone that knows me by my first name instead of just an account number is nice and I am sure that wouldn't be the case with a lot of the online lenders.But for the moment I don't feel the need to put that to the test because I have my loan from Ulster Bank and thats all that I need to concern myself with.

Review posted by Tom Healy

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Ulster Bank aren't one of the most well known of banks outside of Northern Ireland but it doesn't mean they aren't keeping up with the other major players in the loans business.I have only ever had 3 loans in my entire life and they have all been with Ulster Bank. If something works for me why would I try fixing it? I do keep abreast of what the other banks are offering because it would be naive not to but so far I haven't found the need to go elsewhere for my loans and it is not based on blind loyalty to one particular bank but more to do with getting consistent good, competitive deals on every loan. If that changes I'd be the first to look elsewhere make no mistake about that!

Review posted by Larry Hagan

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The cost of building the extension on the back of our house has gone way over budget and we have run out of money. Its as simple as that. We had two options either put some tarpaulin over the whole site and wait until the Spring when I could raise a bit more money or get a loan now and complete the work before Winter is brings more heavy rain and worse still snow that will stop us laying any more brickwork.My wife said she would speak to our bank and when she did they suggested we made an online loan application as it would speed up the process. We had already been given a verbal approval based on the amount we needed but Ulster Bank wanted to make sure it was within our affordability before proceeding with the loan.I'll give them their due, they didn't waste too much time and thankfully they approved the loan for the full amount that we required and within a day we had the money in our account. I am now busy cracking the whip to make sure the builders get a move on and get all the brickwork finished ready for the roof to go on asap!

Review posted by Declan Scanlon

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Ulster Bank have given me several loans over the years and each time it has required me paying a visit to our local branch. But that was in the days before I mastered the computer and the internet for that matter. My wife 's perseverence with me has paid off and I have applied for this loan online all by myself without her help or interference.If it was left to her we would be borrowing twice as much as we really need but I don't want to get myself tied up in a long term loan and so I have gone for a higher monthly repayment over a one year period because as much as I am looking forward to the holiday this loan is going to be paying for, I don't want to be paying for it still long after the sun tan and the memories of it have faded. That makes sense to me but try explaining that to the wife.

Review posted by Robbie Doyle

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Ulster Bank have helped my family and me in more ways than one with this personal loan. I applied for the loan and I will be making the monthly repayments which won't be any problem because I am earning a very decent salary with my new job. But this loan is so that my sister can have some work done on her house to enable our elderly father to move in with her after our mum died last October. Neither of us would dream of putting dad in a home and he can't look after himself properly in the council flat that he is in currently. So my sister has offered to take on that responsibility and the very least I can do is foot the bill for the small extension she is going to have built to incorporate some downstairs bedroom and bathroom facilities for our dad. I believe it's whats known as a granny annexe which sounds a bit sexist to me but we'll leave it at that.Ulster Bank were very sympathetic to our need for the loan to be approved as quickly as possible and I am delighted and relieved to say they have just confirmed the loan has been approved and the money is in my account. We already have a local builder lined up to do the work and dad should be comfortable in his new surroundings very soon.

Review posted by Calum Dingwall

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My wife and I have taken out a home improvement loan with Ulster Bank over a ten year period which is a big financial commitment for us but it will enable us to do so much work on our house that the value will have risen considerably and offset the loan amount in no time.We inherited the house from my wife's parents and so there is no mortgage on it but we wanted to get the work on modernising it started as soon as possible and the Ulster Bank loan was the best way for us to afford it. Our ufirstgold current account meant we got a special lower rate on the loan which made it even better for us.We are not planning on moving for the foreseeable future so it will be money well spent as we want to enjoy it for as long as possible before we either sell up and move on or end up passing it on to our own children who can choose to do whatever they want with it once we have gone.

Review posted by Sean Boyd

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Our daughter has just got her first proper job which is way over the other side of town and the wife and I wanted to get her a reliable little car so that she could drive herself there instead getting the bus which is an awfully slow journey at the best of times and it would take her less than half that time by car.She passed her driving test a couple of years ago but has got by without a car because a lot of her friends drive so we think it is about time she had her own transport and didn't have to rely on lifts everywhere.Ulster Bank have given us a very good rate on the loan which we have taken out over a two year period. Our daughter has said that once she is earning good money she will contribute to the monthly repayments but we don't expect her to, but it is nice that she offered. As long as she appreciates the sacrifices her mother and I make for her that's all the matters to us.

Review posted by John Darragh

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I am very friendly with all the girls at our local Ulster Bank branch, most of them come from the same town I was born in and I went to school with a couple of them. So I asked them to give me some help with my loan application which they duly did and that is why I ended up with a really good personal loan from Ulster Bank and not one from some sort of Shylock type of lender who would want his pound of flesh if I defaulted on the loan. Of course I have no intention of defaulting but you can never be too careful when borrowing money and its nice to know that the girls did a good job with their sound advice and in all seriousness I am delighted with the loan agreement I have with Ulster Bank and having had the benefit of not one but 3 personal loan advisers makes me fell rather special. Talk about VIP treatment!

Review posted by Sally Boyle

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Being a ufirstgold account holder came into play with this personal loan and it made me glad that I had opened the account a couple of years ago when I first left university. It has made a bit of a difference to the overall cost of this loan and when you have a tight budget every penny saved is important as it all adds up to a nice saving by the end of the loan period.I needed the loan for various reasons but the main one was to get myself a flat and furnish it now that I had finished travelling and wanted to settled down in one place for the next few years. The loan Ulster Bank have given me is competitive and affordable although I won't be taking any exotic trips for a while.I just want to get a nice home sorted out for me and be able to settle down and manage my finances without a struggle. Getting such a good deal on the loan is going to help with that so the rest is up to me.

Review posted by Jenny Doyle

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We've been married nearly two years now and all the debts we incurred with the wedding have been paid and we are ready for the next big financial commitment which is to start renovating the house we have bought.Although it wasn't the best start to married life living in a draughty old wreck of a place we didn't want to take on another financial commitment until we had a clean slate so to speak. We plan to start a family in the next couple of years but we want to get the house completely renovated before then so that we can bring our first child into a nice clean, safe home.Ulster Bank do a very competitive home improvements loan which gives you the option of a 10 year repayment term which we have decided to go for. We don't plan on moving for quite a while if at all, so the renovations will be worth it and if we do choose to sell in a few years time then we will have recouped that money and more if the property market doesn't crash! Either way, it will have been money well spent.

Review posted by Seamus O.

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I needed to make a special purchase and thought long and hard about it. An engagement ring is not something you buy every day and I wanted it to be very exceptional. To achieve this end, I did need to borrow some money. The Ulster Bank came up in conversation with some friends and they had said it was a pretty good outfit to work with, they had successfully obtained a loan without too much effort.I had not made a loan application before and decided to give them a call rather than go on line. I found their number on the website and spoke with a customer service representative. The person was really helpful and put me at ease when I told them I had not done this before. He suggested some options which made perfect sense and we put together the application for a personal loan.He got back to me the same day and said I had been offered a personal loan and provided me with the details of the terms. I accepted the offer and later that week I had the funds to go shopping.

Review posted by Trent Flintwood

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Being an existing ufirstgold customer with the Ulster Bank, I decided to take advantage of that fact and apply for a personal loan. I had read that an existing customer with this type of account could be offered special rates. I needed some extra cash to fund a trip I wanted to take with some family and friends, it would be a short term loan as I did not want to be repaying it over a long period and did not want to touch my savings.I called into my branch and sat down with the loan officer who was a very kind person and listened intently to what I wanted to do. She pulled up the application forms and we completed them pretty quickly. The next day, she rang me with a positive decision, which I was delighted about of course and could not be more pleased with the simple process of obtaining a loan with the Ulster Bank.

Review posted by Melanie Frost

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  • Value For Money

My husband and I approached the Ulster Bank in the hope of obtaining a personal loan to help fund our daughter's wedding. I was astounded at how much weddings can cost these days, our savings were not going to do the job, so an influx of money was indeed necessary.We had been looking on line at different lending institutions and settled upon the Ulster Bank as they appeared to be the most flexible. We pulled up the application form and as we are both working, put the request in both our names and added our salaries together. The application form was understandable and easy to fill out, we were hopeful that credit score, which is not bad, would help with their decision. We were very happy to receive their positive response and accepted the terms they offered. Now we could settle back and feel confident about the wedding expense.

Review posted by Sandy K.

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I needed to apply to the Ulster Bank for a loan as my father needed surgery and we could not wait for the system to get around to him. Going privately was the only way to deal with this and footing the bill. Not the most ideal situation for borrowing money but very necessary. I hoped they would come through for me.I went on line and asked for a short term loan, the application process seemed pretty straight forward so I submitted the forms and just hoped they would accept my circumstances. I received a phone call that same day and was really impressed with the concern they expressed for my circumstances. Really nice folk to work with I thought. They said they were putting a rush on the application and would get back to me as soon as they could. They did the next day. I was offered a short term personal loan and by the end of the week the money was in my account. I cannot say enough about the Ulster Bank, only that I can recommend them for a decent outfit to work with.

Review posted by Sam Wellington

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Last month I took out a personal loan with the Ulster Bank. I needed to take care of some bills I was not expecting and as I have been a customer of the Ulster Bank for some time, I figured a loan might not be out of the question. I went into my branch and sat with the customer service lady. She was very nice and understood what I was trying to do. The application for the personal loan was completed by us and she submitted it for approval.My account with the Ulster Bank had always been in good standing and my credit score was very good, so the customer service lady thought I would not have a problem being accepted for a personal loan. She said she would be calling me in a day or two with a decision. She did call and I was happy to hear that I had been offered a loan to pay off my bills. The repayment amount and interest rate were very reasonable so I accepted the offer with many thanks.

Review posted by Janice Grainger

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  • Ease Of Use
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My ufirstgold current account is the reason I applied for this personal loan with Ulster Bank and it's probably the reason why I got it and with such a competitive APR as well.Over the years I haven't been too careful with my money and my credit rating wasn't much to brag about for a few years but once I got my act together and rectified that I was determined to keep it that way.When I applied for the loan I knew I shouldn't have any thing going against me concerning my credit history because I had already discussed that situation with the loan adviser at my local branch. Once I got the thumbs up from him I went ahead with the application online a few days later and to my delight the loan was officially approved and the money is in my account now.My efforts to restore my good credit rating has paid off thank goodness and thank you to Ulster Bank also for their help and advice with the loan.

Review posted by Robert Fitzpatrick

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When I got informed by Ulster Bank that my loan had been approved I was very relieved. It had been a few days since I applied for the loan and I hadn't heard anything. My wife kept saying no news is good news which didn't make any sense but I didn't say that to her because I knew she meant well. In the end I went into our local branch and ask them what the delay was and it turns out they were trying to get hold of me for days on the phone and had eventually sent me an email to say the loan had been approved and that the funds were being transferred immediately. I hadn't checked our emails for a while and the money had been in my bank account all that time and I didn't have a clue. Neither did my wife which was a good thing because she could have spent that amount of money in no time at all and I'd be none the wiser!

Review posted by Martin Brannigan

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"Special rates for ufirstgold customers" was all I had to read to make me decide to go with Ulster Bank for my personal loan. Because of the large amount I needed to borrow I wanted to find the most competitive and affordable loan and I didn't automatically assume that my own bank would be offering that. So I had a good look on the internet first and compared loads of other lenders offers before contacting my local branh of Ulster Bank.No other lender was offering special rates unless you were already a customer of theirs which makes sense I suppose. So I suppose it also made sense for me to just go to my own bank and take advantage of the special rates they were offering their existing customers like me.It wasn't a difficult decision to make in the end but it doesn't do any harm to check out what other lenders are offering before making your final choice.

Review posted by Michael O'Hare

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Getting special rates for being a ufirstgold customer on top of an already competitive APR was a real incentive for me to go to Ulster Bank for my personal loan instead of going to one of the many specialist loan companies.Its a good way of rewarding customers and with so much competition out there I am sure banks like Ulster Bank are well aware of that and will do their best to hold on to as much of that business as they can.As long as Ulster Bank continue to reward customers like me with special rates and offers I will always go to them first. However I would still make sure there weren't better offers to be had and a quick search on the readies loan comparison website can help with that.

Review posted by Marie Ford

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We're delighted with the loan from Ulster Bank and we would have had a big problem if we hadn't got it because we have two daughters getting married within 3 months of each other and our savings aren't going to be enough for both of them.We can't blame the girls because they did give us plenty of notice with long engagements but we seemed to have had to dip into our savings a bit for one thing or another in the past 6 months and getting the loan was the best way to make up the shortfall.Ulster Bank have been our bank for years and we have a great relationship with our bank manager so the loan was a very easy and stress free process. We wouldn't have wanted to go to another lender if it was at all possible and Ulster Bank made sure that wasn't the case.

Review posted by Sadie Riordan

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Its great news that Ulster Bank have approved my loan and its great that it comes with such a competitive APR for the amount I am borrowing. My budget for the extension I am having built was very tight and getting the vest best deal on the loan will make a huge difference because it will mean I can afford to use better quality fixtures and fittings and not have to compromise on the overall quality of the build.This extension is to enable us to continue living in a house that we were fast outgrowing since we had our children and so we want it to be the best and for it to stand the test of time and still be standing when we have grandchildren which we're hoping won't be quite so soon as we're still getting used to being parents let alone grandparents!

Review posted by Mick Darragh

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We went to Ulster Bank for this loan because we have only ever used them for this sort of thing and not other lenders. We generally see our local branch manager to discuss things before making a decision but this time we did the whole thing online because their website has made everything so much clearer and easier.We knew at a glance what sort of rate we would be charged and they calculated a monthly repayment figure that would be affordable for us. Its not that we don't like the personal touch but this time we just didn't feel we needed to discuss any aspect of the loan and so we just went ahead and applied for it directly online.We are quite pleased with ourselves for managing this whole application ourselves and we thought we would complete the whole process by posting our thank you comments to Ulster Bank, via the online website, of course.

Review posted by Nuala Coyle

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My wife Mary and I are thrilled to have got our loan from Ulster Bank at such a competitive rate and all done so quickly. We had barely put the laptop away when we got a phone call to say our loan had been given formal approval and that we could expect the funds to be deposited into our account within the next 24 hours.We had no idea that these things were done so quickly but it has been a while since we last took out a loan and things do seem to have moved on in leaps and bounds with regards to technology. Everything seems to happen at the touch of a button. We are not complaining one little bit. When you get to our age you don't want to be waiting around too long for anything.

Review posted by Pat Kendall

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The loan adviser at my local branch of Ulster Bank have just called to say my loan has been given the go ahead and that I can expect to receive the money in my account within the next 24 hours.I am so delighted with how quickly they have handled my application for this loan that I thought the least I could do was to post a review to say what a great service I have received.I don't know if they were quicker at handling this loan because I went through my local branch or whether this is just how they deal with all their loan applications. But whatever the reason is, I for one am delighted with them for sorting out my loan in time for me to put the deposit down on my holiday before it gets booked by some one else.

Review posted by Marie Darragh

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Having an Ulster Bank ufirstgold current account must surely have helped with me getting such a good interest rate on my loan. It was much lower than I was expecting it to be and I never thought to ask the loan adviser if that was the case. Maybe they mentioned it to me and I just didn't register it in my head because at the time of discussing the loan I was distracted by other issues that were going on in my life.The reason for the loan is so that we can do a loft conversion on our house which we plan to make into a nursery for our first born. We have only just found out that the wife is expecting and that is probably why I was more than a little bit distracted that day in the bank. We had already talked about doing the loft conversion but before we new my wife was pregnant the extra room was going to be a bit of a macho 'man's den' for me so that my mates and I can watch the football without annoying the wife. Sadly, that little avenue of pleasure is no longer there unless I can persuade one of my mates to get a loft conversion instead.

Review posted by John McDonagh

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My partner and I decided to get married after living together for 5 years. We took out this loan with Ulster Bank to pay for the wedding reception and our honeymoon. We are just having a very small affair with close family and a handful of friends. We've told them all 'no presents, please' as after 5 years of being together we have everything we need for our home. We've said if they want to, they can contribute to our honeymoon costs, but we weren't going to rely on their generosity so thats why we got a loan to make sure we had enough to pay for everything ourselves.Anything that we are gifted on our wedding day will just be a very nice bonus but we are glad we got this loan from Ulster Bank and I think my poor old dad is very relieved that he hasn't had to come up with the money at such short notice, bless him!

Review posted by Susanne Hogan

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I haven't used Ulster Bank for the purposes of taking out a loan even though I have been a customer of theirs for several years. I've managed to get by until now because I was a single man with relatively simple tastes and my wages were enough each month to meet my financial needs. Then along comes my bride to be who has turned my world upside down in the nicest possible way and she's the reason for this loan.We want to get married this Summer and we have started planning the big day now that I have been approved the loan from Ulster Bank. I'm borrowing a fairly large amount of money by my usual standards but it won't all be spent on the wedding. We are planning to live in my current house which my lovely bride to be has some big ideas about, mainly replacing the old kitchen and bathroom. I can't say I blame her as they both look like they came off the ark.We've no plans to start a family just yet so we might as well make the most of this period of our life together and indulge ourselves with a few things before the patter of tiny little feet arrive.

Review posted by Gerald Mullins

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I opened my bank account with Ulster Bank 5 years ago when I moved to Belfast with my job and I have had excellent service from the staff at my local branch. So when I decided to apply for a personal loan I went into my branch instead of using the online facility.I spend most of my working day using a computer so it was nice to be able to deal with a nice friendly human being for a change. I took an early extended lunch break and went to speak to the Ulster Bank loan adviser and within less than an hour I had my personal loan all sorted and the money was promised to be in my account as soon as the credit history check was completed.I went back to work and with plenty of time to spare before sitting in front of that computer of mine again, I popped into our canteen and had a nice lunch served up by one of our lovely canteen staff and not one of those awful vending machines. You can't beat getting that personal touch.

Review posted by Mina Patel

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I did have to sit around waiting a bit before I got to see the loan adviser at Ulster Bank even though I had booked an appointment. Profuse apologies were given by the loan adviser when he eventually appeared but I think I may be inclined to revert back to using their online facility in future because I really don't have time to waste in my busy working day.That said, I did end up getting an really good loan that was tailored to suit my needs and I was able to discuss a couple of matters regarding my ufirstgold account with the loan adviser while I was there which would not have been possible if I'd done the application online.So at the end of the day, I did get a great loan despite the waiting around and they did give me a very nice cup of coffee and a biscuit so it wasn't all bad.

Review posted by Geraldine O'Mahoney

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My appointment to see the loan adviser at my local branch of Ulster Bank didn't start very well. I was late and had got soaked to the skin running from the car park without an umbrella. I looked like a drowned rat and was in no mood really to discuss loans or anything else for that matter. I had missed my appointment slot and was told I could be seen within the hour if I waited.So, one quick blast of the hand dryers in the ladies loo to restore my hair to something that didn't resemble a shaggy dog and I was ready for a second attempt at taking on the loan adviser to do battle with him for the best deal on a personal loan.We came to an agreement on a loan that I was very happy with which is probably just as well because if anything else had gone wrong that day I might well have been had up on a GBH charge from the local constabulary. That loan adviser doesn't realise it, but he had a very lucky escape that day!

Review posted by Oonagh Shaunessy

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Together with our bit of savings and this loan from Ulster Bank my fiancee and I are going to get married in style this Summer.We've been together for 5 years and we have been postponing the wedding for so long that we almost decided not to bother in the end. However, we have a little one on the way now and the birth is imminent so we want to make both our sets of parents happy by getting married as soon as we can after their first grandchild arrives.We have been with Ulster Bank for a while now and we have only ever had small loans from them so this one is going to be more challenging for us and it was important that we got a very good interest rate but equally important that the monthly repayments are manageable especially when there is just one salary coming in each month.I think we have achieved a good result with this loan and there shouldn't be any problems paying it back so let's hope the wedding plans go as well and that we have a wedding day to remember for many years to come.

Review posted by Sean Callaghan

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Having an Ulster Bank ufirstgold current account does have it's advantages after all! I thought I backed a loser but it was just slow to start. My first ever loan was to buy part ownership of a horse that my brother in law has just acquired. I jumped at the chance of buying in to it because she's a beautiful horse and with the right training we could be on to a winner in more ways than one. I come from a family of horse lovers and my brother is a jockey.My ufirstgold account gave me a special rate on the loan and so I was happy with the overall cost of the loan and the monthly repayments. Now we just need to get our filly signed up for her first race and hope she's just like my ufirstgold account, slow to start but gets there in the end. She'd better or else my brother in law will have some explaining to do!

Review posted by Mary Devine

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Ulster Bank have never refused me a loan in all the years I have been with them and that is probably because I have never applied for one before now. They have over the years sent me all sorts of leaflets advertising their competitive loans but I have never needed a loan until now.I haven't exactly fallen on hard times but the cash isn't flowing as much as I'd like and I want to get some work done on my car the cost of which my monthly budget won't stretch to. If I can't use my car I can't do my job so it was a bit of a 'catch 22' situation.I applied for the loan with Ulster Bank and they were very good and processed the loan application immediately and I got the money today after only a few days since I applied. The car should be fixed and back on the road by the end of the week. I'm glad I saw sense and went to Ulster Bank for the loan before I lost any more time and money by not being able to get to work.

Review posted by Michael Connor

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I have taken out this personal loan with Ulster Bank so that I can buy my son's car from him. He has a very fine car that I have admired ever since he bought it 5 years ago and his wife is expecting a baby and the car is not going to be suitable for a young family.Well I'm a widower now since my dear wife passed away last year and the old family car I have been driving is on it's last legs now and I thought it would be a good idea to save my son the hassle of trying to sell his car and instead I agreed to give him the current trade price plus a little bit extra which he was more than happy with.I got straight on to Ulster Bank and applied for the loan and because I have got a bit of savings I didn't need to borrow the full amount. The repayments aren't going to be a problem for me even with my being on a part time salary.It has all worked out really well and I am delighted to be the new owner of the car and I think my son is secretly rather pleased that it will be in the family for a bit longer and I may even let him borrow it from time to time.

Review posted by Norris McCarthy

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I wanted to give my daughter and her partner some money towards the cost of their wedding and the personal loan from Ulster Bank seemed the easiest way to get the money in time for her to start planning her big day.Initially, I thought about just giving her the money as and when she needed it for things like the reception etc but in the end I thought it would be less complicated if I just gave her the lump sum and let her budget her wedding around that.Ulster Bank have arranged a very affordable loan for the amount I wanted to borrow and I won't be having to find overly large amounts of money at the drop of a hat, which might well have been the case if I'd stuck with my original plan. This arrangement is far more sensible for all concerned.

Review posted by Kevin Connor

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Last month I came back from the dentist with a quote for some major dental work which was needed to be done quite urgently. A bit of a shock when I saw the figure they quoted. My savings were not going to be enough so I thought I had better seek out a lender for the money to pay the bill.I was on line looking for a financial institution that would approve my request and I found The Ulster Bank in the list, and I liked what I read about them. I decided to apply to them on line for a personal loan to see if I could cover the cost of the dental bill.Their process seemed easy and I filled out the forms and submitted them in the hope of a good response. They came back with a couple of clarifying questions and then offered me the loan I needed. Great news and a very pleasant outcome. the Ulster Bank gave me very good terms for this loan so I was quite pleased.

Review posted by Tony Saxton

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I applied to the Ulster Bank for a personal loan a while ago and wanted to share the good experience I had dealing with them. I needed to consolidate some debts and felt I should try and take care of them all at once with a personal loan.I went into the local branch of the Ulster Bank and consulted with a loan officer. He was very pleasant and most helpful and he seemed really knowledgeable about the financial markets. I told him what I wanted to do and he encouraged me to complete an application there and then.After a couple of days I received a call from the bank and they had granted me the loan I was looking for. The terms were doable and I got a good interest rate. I was glad that I went into the branch and dealt with the Ulster Bank.

Review posted by Cindy Tate

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I have an account with the Ulster Bank and when I was in there last week, I talked to the loan officer about buying a new car, and wondered if I would be approved for a loan. He said my account was in good standing and as I had a ufirstgold account I could probably benefit from a special rate. I said I would apply on line as I did not have time to apply that day.I went on the computer and pulled up the website of the Ulster Bank where I do my online banking. There was a button to press to inquire about a loan so that was easy to start the process. I went through the application and applied my ufirstgold account number. The bank got back to me the next day and approved my loan. I was taken aback at the speed with which they dealt with me. A really good bank to deal with is the Ulster Bank.

Review posted by Gloria H.

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I had heard about the Ulster Bank through some friends and opened a savings account with them a few months back. I was in the market for a new car, or I should say new to me, and wondered if the Ulster Bank would entertain me for a personal loan to fund part of the purchase. I had a vehicle to trade, but I knew I would have to put money down.I called them, having visited their website for the number, and asked the question whether I stood a chance of getting a loan. They suggested I go online and apply as I was an existing customer, so I did. The application was pretty straightforward and I believed I fit the criteria that they asked for. Well it turned out that they granted me the loan I was looking for so I was well pleased. I could not be more happy with my new bank.

Review posted by Tom G.

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I was in the mode of planning some home improvements and figured it was likely to be costing quite a tidy sum of money. I knew that at the Ulster Bank, where I am a customer, you could get a loan to extend over a ten year period if you were doing home improvements, so it was an obvious choice to apply to the Ulster Bank for a personal loan.I had been reading about loans on line and the Ulster Bank seemed to be offering pretty good rates compared to other lenders. I decided to call them on the phone and talk over the details with a loan person. The lady was very pleasant and appeared to know her business of lending money. She was quite astute and worked out the figures for me. The terms she was considering for me, were very good and I agreed to go forward with an application. The next day she called me to say that my loan had been approved and the money would be available in a day or two. I knew I made the right decision to stay with the Ulster Bank.

Review posted by Duane Loftus

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Although Ulster Bank aren't offering the lowest APR for their personal loans we had to go with them because we wanted to borrow quite a bit of money and they are our bank and we felt we'd get a better chance of borrowing from them and that they'd be able to give us a longer loan period which would make the repayments much easier for us. We were happy to pay a bit more for the convenience of spreading the loan out over a longer period to give us smaller monthly repayments. Luckily for us Ulster Bank were happy to accommodate us and we now have our very affordable loan which we don't think we would have got from another lender.

Review posted by John Calder

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The 6.4% APR Ulster Bank are advertising came down considerably for me with my loan thanks to the benefits of being a ufirstgold customer. It entitled me to a special lower rate which made the loan much more favourable for me.I know perhaps I could have gone to another lender and got a slightly better deal but to be frank, I didn't want to use another lender because I have a good relationship with my local Ulster Bank branch and they are always on hand to give good advice and help.If you are not too clever with finances it is nice to have some expert advice to turn to when you need it and Ulster Bank have been there for me in recent years, especially when I started up my own business.

Review posted by Mikey Kerrigan

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We're Ulster Bank ufirstgold customers so we knew we would be in line for a bit of a discount on this loan by way of a lower rate. We hoped it would be a decent reduction because we needed to get as good a deal as we could so as to make it more affordable. We were borrowing quite a bit and had no alternative but to use our own bank because all the other lenders we looked at were giving much higher online quotes that we knew we wouldn't be able to afford. Because we went with our own bank we were able to do a bit of negotiating and finally got an affordable monthly repayment agreed and we felt much happier taking on the loan after that.

Review posted by Mary & Johnny

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My Ulster Bank loan has come through now and we are delighted, my husband and me because we are going to use the money to go off and have the holiday we have been putting off for ages. We love going to Spain in particular because we have several friends who live there and we can hire a car and go and visit them all without having to book into a hotel which is lovely and saves us a bit of money. the last time we did this we were much younger and I hope we are still up to it but our children think we are doing a great thing and they have no doubt that we still fit and young enough to enjoy our adventure.

Review posted by Betty K.

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I won't be taking out another loan in a hurry but this loan from Ulster Bank is for a 5 year period so things may change by the time I have made the last repayment.This loan is for a new kitchen and the previous loan from Ulster Bank was for the lovely new bathroom we now have. We managed to do that with a much smaller loan and had it all paid back within a year.It worked out very nicely for us and we think that once the kitchen is done we will have added a lot of value to our property. Much more than the two loans will have cost us so we are delighted with that.

Review posted by Molly O'Shea

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We're building a big extension on the back of our house to make more room for our ever expanding family and we couldn't have done it without the great loan we got from Ulster Bank.When we told them what we wanted the money for they were very happy to give us the loan and because we are ufirstgold customers they gave us a very favourable rate on the loan. We hadn't even considered that when we applied but Ulster Bank were keen to point out that this was one of the benefits of our current account.We shall be paying more attention to what else our ufirstgold account has to offer in case we are missing out on other great offers.

Review posted by Tighe Boyle

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My husband has asked me to say what I think of our loan from Ulster Bank. I think it is perhaps because he does not type so very good but I do better.We have a beautiful new house but we needed to borrow some money to make it even more beautiful with a conservatory, not a glass house or a greenhouse they are different things altogether so my husband tells me. But I know what the different is I just like to tease him my English is better than his French!When we asked Ulster Bank for this loan they said yes very soon after we telephoned them and now just a few days later they have telephoned us to say we have the money in our account. So that is why my husband tells me to write this review.

Review posted by Charrone Richeaux

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  • Flexibility
  • Ease Of Use
  • Value For Money

Six days is all it took for me to get this loan approved by Ulster Bank and I wouldn't have thought that I would be writing this to say thank you because I didn't even think I would get the loan because my credit history hasn't always been very good.I learned the hard way that bad debts and late payments can affect your credit score which in turn affects your chances of getting approved for a loan. But it seems I have repaired the damage to my credit score after a few years of being careful and this loan has just proved that all my efforts have paid off.I don't plan on getting refused for another loan so this one is the start of a more responsible way of handling my money and as the loan is to go towards my wedding I think my new wife might be keeping an eye on the finances as well.

Review posted by Shaun Devitt

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  • Value For Money

Due to my ufirstgold current account Ulster bank were very kindly offering me a special rate on my personal loan. It made the overall cost of the loan much less and was extremely handy because I was worried I might be stretching myself financial with this loan. But there's no need to worry now because that lower interest rate has made such a difference to the monthly repayment amount.I had been thinking about looking elsewhere for my loan but then the ufirstgold account reminded me that I probably wouldn't get such a good deal if I went with another lender. That's one of the reasons I opened my ufirstgold account in the first place and it would be silly to not make good use of it whenever I can.

Review posted by Bridie Murray

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  • Ease Of Use
  • Value For Money

We can change our old car now that we have our loan from Ulster Bank. We should really have applied for this loan ages ago because the car has been nothing but trouble for quite some time now and my husband was getting very stressed every time it broke down.Now we shouldn't be having any of that stress because we are going to be buying a brand new car and we are taking our son with us to help us choose it. He is very good at negotiating and will no doubt save us a bit more money. He persuaded us to go to our bank for the loan in the first place because as he said, "that's what your bank is there for" and I think he is absolutely right.

Review posted by Monica White

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  • Value For Money

I went with Ulster Bank because they were offering the most flexible loans for my particular circumstances. I could have got a lower rate with another lender but they were too rigid with their terms and conditions and I would be taking on a less than convenient repayment plan.As this loan will be with me for the next 10 years it just had to be absolutely right for me and it took a bit of work on Ulster Banks part but they eventually came up with this loan package that is 99.9% right for me. I couldn't give Ulster Bank a 100% score because as we all know, there is always room for improvement.

Review posted by Berry J.,

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  • Value For Money

My wedding plans can start now because Ulster Bank have approved my loan. I am not getting married until June 2017 but I wanted to get the most important things booked well in advance especially the venue for the reception which is so popular you really do have to book at least a couple of years in advance.I am going to America this Spring to visit family and they have a fantastic bridal shop in Manhattan where I am hoping to buy my wedding dress. That way I can be sure no other bride in our small town will have the same dress as me! Also I didn't want us starting off married life with a huge loan so hopefully this loan will be paid off before I become a Mrs.

Review posted by Ms Shiv M.

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  • Ease Of Use
  • Value For Money

I used Ulster Bank for this loan because my ufirstgold account would mean a lower rate than the 6.4% they are currently advertising. I wouldn't necessarily have gone to Ulster Bank for the loan if I hadn't this advantage because there are cheaper loans to be had I'm sure.I opened the ufirstgold account in the hope that it would entitle me to special rates on things like loans and so I am glad that it has finally paid off. I won't be taking out another loan for a few years but I will probably still be banking with Ulster Bank so let's hope they are still being kind to their ufirstgold customers and still giving them special rates on their loans.

Review posted by James M. Finnegan

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We did our Ulster Bank loan application online so that we could get past that embarrassing stage where you may or may not be able to afford the amount you want to borrow. We were relieved when we passed that first stage and went headlong into the rest of the application. There was no stopping us once we realised we were more than able to afford the monthly repayments.Then my wife mentioned the possibility that we might not have a good credit score and we then had a couple of worrying days before we got the thumbs up. We are delighted it all went through relatively stress free and we will certainly use that online facility if we need another loan and we will keep an eye on our credit score so that we don't have to worry about that again.

Review posted by Michael Geraghty

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The loan rate that Ulster Bank has approved me for I feel was acceptable and affordable to make my payments each month no sweat. I work full time and I get paid decent money from my job , I should hope so after the time and money I have put into the company myself to get it started and where it is today. Ulster bank is one bank who didn't take my self employment status against me as this has caused other banks in the past to refuse my loan or try to get me to take a business loan when it's not what I have needed. The money was for me and ulster bank understood this and took this on board and gave me the personal loan I needed as this was the correct loan for me.

Review posted by Animallover#1

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I everyone my name is Britney and I am from leeds. I am a big fan of lady Gaga I have been since I hear her song poker face. I love how exsentric and out going she is and I have seen her twice on the uk. I went to Glasgow and also I have been to London. She has a concert in Paris France and I have always wanted to go there and now with lady Gaga going to be there I must go. My best friend laura is going to come with me as I have talked her into going she is also a huge gaga fan. The loan money I applied for with ulster should be threw any day now and ticket go on sale next week so fingers crossed I get 2.Thanks you ulster for making is little monster very happy. Gaga monster for life

Review posted by Britney Gaga

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I don't normal take the time to fill out feedback forms or even write a review unless I have had a bad / horrible experance. Then I feel the need to warrin others of bad company's or bad products so this is a first for me writen something positive about a company. Ulster bank have actually done what they have said they would , this has to be good for a bank to do what they said they would do and prove me with no hick ups or holdups with the process and getting me the money on time. They done what they said they would do so thanks.

Review posted by Stuart

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I called up the number for the usual Ulster Bank that I had found online and chatted with a friendly adviser , who told me about the different loan options available from the bank that apply to myself. Online there was so many diffrent options with diffrent rates and payment terms so I wasn't quiet sure what would be the best for myself, so calling up made sense.In the end I opted for a flexible personal loan that I could repay over five years or sooner. My application was immediately approved by the same adviser and that impressive as I wasn't put on hold or called back or passed to sumone else. I got what is now My money within a couple days from calling ulster up and i was able to relax as I knew the money I needed was on its way.

Review posted by Miss Natalie Stuart

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  • Value For Money

One thing or another is always going wrong around the house and my saving have become none. So when I got the good news that my daughter was going to get married and have a small service on the beach in Spain I needed a little cash to help fund this I didn't want her to have to worry about a thing. When they come back from eloping we have a dinner and disco booked at our local country club. I took our a loan with the ulster bank as I have had my money save with them for years I knew they would help me at a joyful time like this , and I wasn't wrong. I got applied for a loan of £2800 over 1 year and this covers all the cost of the dinner so my daughter just needs to come home and celebrate with her family and friends.

Review posted by Conner

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With out sounding like I am not greatfull for the loan that ulster bank has given me , as I am I desperately needed the money. It was just not as easy as they made it all sound like it was going to be. I was left waiting around for nearly 3 weeks for the money. I applied just like I was told to do and gave the best information to my knowlage and everything that ulster bank asked I gave them but I did not make the money get to me any faster. No mater how many times I called them up I was told rhe same thing the money is on its way to you and we are sorry for the delay. Was very scripted each time I called and I felt no one cares , I am just glad the money came threw when it did.

Review posted by Unlucky08

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I am still a happy customer after 8 long yeats with the Ulster Bank. I started off with a savings account my grandfather set up for me with this bank when I was a kid. Since then I have opened savings and investments with them and now I have taken advantage of a nice flexible personal loan so I could treat my girlfriend to a nice relaxing holiday in mexico. I have never had to go in to a branch since I original opened the accounts they have a great customer service online and internet banking is so easy it takes care of everything I need. Even taken out this loan was done online and handled well as always.

Review posted by John Murray Scott

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  • Value For Money

I have never had a problem with the ulster bank , and I don't now I was just let down with them recently. I applied for everything with them like I have always done online there me secure Internet banking service. This was all well and fine the whole application was to be honest. The paper work took days to come in the post , next day delivery did not work where I live so they have told me. I called up and I got many excused this can't be normal excused of weather untill someone final told me it was returned to them saying it was the wrong address. So I had to go threw me details and everything again to get the paper work the next day , 2nd time luck the paper worked turned up and thank goodness there was no makes and I sent it back. The money is now safe with me I can see it on my Internet banking , but the process was not a easy or fast as ulster bank let you beleive. You have to chase them up and fine out what's going on with your loan agreement they Dont bother to call and tell you anything.

Review posted by Bell Kindle

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I was looking to borrow money to take my family on a 2 weeks holiday. Now my kinds are growing up and we have two lovely grandchildren I wanted to have time with us all as a family before they start school. When my kids were growing up we had family holidays 1 sometimes 2 times a year to Crete in Greece and we have many friend over there. So taken the whole family will be a nice reunion for us as well and I will need to brush up on my greek.I am a long time customer with ulster and I was surprised to see that they put a limit on my loan application. Because the money was for a holiday I could not take out the loan for as long as I wanted to like other loans. This was not the good service I was used to when I first came to ulster I ment the holiday budget was limited but it did manage to cover the flights to that's the main thing. The rest we will need to come up with so more over time shifts at work and maybe one or two car boot sales might do the trick.

Review posted by Mrs K Tompson

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  • Value For Money

Ulster Bank have given me a very competitive deal on this personal loan and I would have expected nothing less from them.I've been a customer at Ulster Bank since I left school many years ago and I have seen the bank go through all sorts of transitions and stuck with them through thick and thin. The very least they can do is give one of their oldest customers a decent rate on a personal loan.That's exactly what I told my local branch manager and he had to agree with me, well he would wouldn't he. He didn't get to be branch manager without knowing how to keep his long standing customers happy!

Review posted by David O'Grady

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My personal loan from Ulster Bank is going to sort a few things for me, namely pay off some credit card bills, trade in the old car for something more reliable and with what's left I shall probably book myself a nice holiday in the sun. After all, I do live in Belfast and the sunshine is a rarity here!I did have a quick look online to see what the going rate is for a competitive loan and to tell you the truth Ulster Bank weren't the cheapest but they weren't far off and so I decided to stick to the devil I know. I am glad I did because at the end of the day it wasn't just about getting the lowest rate. Its the complete package that matters and I am happy with the loan package I have got from Ulster Bank.

Review posted by Mary Hanrahan, Belfast

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What was so great about taking out a loan with Ulster Bank, is that they had an option to suit my specific needs. I wanted to carry out some home improvements, and had done some saving in order to be able to finance it, but didn't want to be working on a strict budget or have to scrimp on certain products and furnishings. With other money lending companies I had considered before, the amount was always repayable in seven years or less, but with Ulster Bank, if your loan is for home improvements, then they give you the option of repaying over a ten year term. This was perfect for me, and definitely set their service apart from the rest.

Review posted by Tilly Womack

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  • Value For Money

I know most people do all their banking online these days, but I'm a bit old fashioned and like to do things in the old fashioned way. This meant when I wanted to take out a loan, I wanted to be able to go somewhere and speak to a real person about the options available to me. This definitely limited my options, as I didn't want to deal with any company that worked solely online, or that was only contactable by phone. Ulster Bank provided me with a great tailor made service, and my case was handled professionally but with a personal touch.

Review posted by Tracey Little

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Ever since my late teens I've needed to wear glasses for certain things. It was no big deal to me at the time, but now I'm getting older, it's really beginning to bother me. At a recent opticians appointment, my doctor told me that I was a candidate for laser eye surgery, and then I wouldn't even need my glasses anymore. Sounded too good to be true, until I heard the price... I was so disheartened when I realized I wouldn't be able to afford the procedure for quite some time, but then I remembered Ulster Bank who I had used once previously. Taking out a personal loan has been the perfect solution for me, and I'm so excited to have perfect sight again, sooner rather than later.

Review posted by Amy Barton

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I don't normally leave reviews on sites like this, but reading some really helped me to make an informative decision about which money lender to choose, so it's only fair that I leave an account of the great service I received too. Christmas is always a struggle for us financially, and last year I had the added pressure of the husbands family coming to stay with us. The last thing I wanted was for them to get the impression we were scrimping on costs, so I decided to take out a loan to take the pressure off the finances. Ulster Bank were great to deal with, and didn't cause me to feel under pressure at any point. I was offered impartial advice about which loan was best for me, and a great service throughout. It really enabled me to enjoy my Christmas with my family, rather than fretting about money.

Review posted by Sophie Raymond

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Last year my father became ill, and it became clear that he could no longer take care of himself living alone. I had been to look at a few retirement homes, but I just felt that my Dad deserved more than that. My home wasn't equipped to cope with his needs, but I didn't want to let that stop me, so I applied for a personal loan. I looked at a few different lenders, but Ulster Bank had some really good reviews that caught my attention. Because what I wanted to spend the money on came under the home improvement category, I was given an even longer loan term which will really help me to be able to make the repayments.

Review posted by Georgia Hicks

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Work has been really tough recently, and I just needed to get away. Unfortunately, I don't earn any more money when work gets tough, so although I felt I deserved a break, the amount of money in my bank account certainly didn't reflect that. One night last week I got thinking about things, and decided I should just take out a loan in order to pay for the holiday I felt I needed. Now I realise that I needn't have worried about it so much, because taking out a personal loan with Ulster Bank was really straight forward. It was a simple step by step process which I went through on the computer at work, and by the time I got home and logged into my online banking, the money was already in my account.

Review posted by Maisy Hart

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The other morning I went to open the garage to get the car out and the garage door jammed. I couldn't get it working so called the repair guy who delivered the bad news. It needed a whole new motor, which meant a whole lot of money. I really didn't have the spare cash for such an expense, so went in to my local Ulster Bank branch to ask them what my options were. I took out a personal loan and a member of staff helped me with the whole process. It was quite straight forward anyway, but it was still nice to have a helping hand.

Review posted by Marian Seeker

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Having opened my ufirstgold account 3 years ago its now paying off extremely well because it means I was eligible for special lower rate on my personal loan. I hadn't even considered that when I was applying for the loan so that was a very pleasant surprise for me.I nearly took out a loan with another bank but when it came to the crunch their interest rates were fairly competitive but they weren't flexible enough for me and it would have meant bigger monthly repayments over a shorter period which just wasn't going to work for me.So I went with my old faithful Ulster Bank who were offering more flexibility and with that all important ufirstgold special rate as well, I have ended up with a very good deal on this personal loan and I really shouldn't be so surprised about it because I have always been very happy with the service I get from Ulster Bank so why should it be any different with this loan?

Review posted by Francine Hagan

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Well on behalf of myself and my wife we want to say a huge thank you to Ulster Bank for arranging this very affordable personal loan for us. We really don't think we could have got a better loan from any of the other lenders we looked at on the internet. We thought we should look at other lenders first because that is what our daughter advised us to do but we got fed up comparing all the different features of each loan and all we really wanted was a reasonable APR on a 5 year loan with monthly repayments that we could easily afford. We have got that with Ulster Bank and so we are completely satisfied and would just like to say so by way of using this review.

Review posted by John Clarke, Belfast

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I'm in an awful rush so this review will probably be full of mistakes but make no mistake I am really happy with the personal loan Ulster Bank have approved for me. I dont normally bother with reviews but the girls at my local branch were so helpful when I messed up the online application that I felt it was the least I could do to say something nice as a way of thanking them. I have a very busy job that doesnt leave me much time for leisure let alone time to write thank you letters but this is as good a way as any to show my appreciation for the great service I have recieved from Ulster Bank over the years and in particular with this loan.

Review posted by Josephine McDonagh

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It's the first time I have used the online facility with Ulster Bank but I thought it was worth trying out when I decided to apply for a personal loan with them. I had already logged on to check out what the competition were offering by way of interest rates and so I thought what the heck I'll give it a go.Well I didn't do too badly at all because the application has gone through and I've had my initial approval subject to the usual credit checks etc. but I am quite impressed with how easy and straightforward it was.Whilst I am a great one for personal interaction wherever possible, sometimes you just have to go with the easy option and this online loan facility is certainly that and my kids will be very impressed when I tell them about it.

Review posted by Eamon O'Clare

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It's great to be able to get a loan without having to make an appointment with your bank and take time off work. Ulster Bank may be very traditional in lots of ways but thankfully they are up to date and modern with their online banking facilities. That includes being able to apply for a personal loan and not have to dig out your one and only suit from the back of the wardrobe before going in to see the loan adviser at your local branch. So I managed to get my loan online and didn't have to venture into my local branch but I did bump into the loan adviser in my local pub which was no big surprise because he only lives three doors down from me!

Review posted by Peter Delaney, Lisburn

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Ulster Bank have approved my personal loan in no time at all. I only applied yesterday online and got an instant quote but I was expecting to wait a lot longer for the approval once I had accepted the quote and moved on to the next stage of the loan process.Now that I know the loan is in the bag as such I just hope they get a move on with getting the money to me because I am desperate to book ourselves a nice holiday to somewhere exotic and then start ticking the days off on the calendar which I always do before a holiday and it drives my husband crazy. That and the packing my suitcase weeks before we are even due to go!

Review posted by Maureen Aherne, Belfast

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This is the first time I have used the internet to sort out a loan with my bank but I have to say when you are pushed for time but need to get a quick decision on something as important as a personal loan, this is the ideal way to deal with it. I know I will have to follow this online application up with either a phone call or a visit to my local branch of Ulster Bank but at least I have started the ball rolling and got the loan approved in principle. If I had waited until I had the time to spare to do this in person either over the phone or in branch with a loan adviser I would still be without a loan because working shifts and sleeping most of the day is not really conducive to regular banking hours as you can imagine. Thank goodness Ulster Bank have dragged themselves into the 21st century unlike some of the other institutions I have to deal with!

Review posted by Noleen Paisley, Lisburn N.I.

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My fiancee and I are delighted with the personal loan Ulster Bank have approved for us and we wanted to say so with this review before we log off and get on with planning our wedding. Its not a big loan because we are not planning a big affair for our wedding but it still required a loan. We don't want to be starting married life with too much debt so we were careful to keep the loan to a manageable amount that we could easily pay back within a period of 1 year. After that we are planning to get a mortgage so we don't want any thing to get in the way of that. Thanks to Ulster Bank we will be able to achieve the wedding we want without tying ourselves up in debt and starting married life out on the wrong footing.

Review posted by Tom Addleton, Belfast

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I totally forgot it was our 25th wedding anniversary coming up and had to quickly sort out something before the wife caught on to this fact. We'd talked about doing something like a cruise to celebrate this occasion but that's as far as I got to organising anything and here we were six months down the road.I am sure my wife was under the illusion that I had started making plans a long while back because she had been in a much better mood these last few months. So to keep her in this mood I had to get a loan from the bank and get a cruise booked PDQ as they say.I thought it might be quicker to use the online facility so I went ahead and logged on to their website. It was the best thing I could have done because I got the application done within minutes and got the approval on a very reasonable 6.5% APR 1 year loan which my ufirstgold account came in very handy for getting the rate down a bit.I haven't got the cruise sorted yet but I do have the money now so I will get a move and and book something before the wife gets suspicious!

Review posted by Jerome Heenan, East Bridge

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Because I have a ufirstgold account with Ulster Bank I had a fairly good notion that I would get a good rate with a personal loan from them and I am pleased to say I wasn't wrong. I went on the internet and looked at what the going rate was for personal loans in the amount I needed and Ulster Bank weren't offering the lowest rate but their rate was good and I knew the special discount for ufirstgold customers would make it even better for me. It's fair to say that if it hadn't been for the ufirstgold factor lowering the APR a bit I might well have gone to another lender but fortunately that didn't have to be the case and I am pleased I was able to stick with my own bank for this loan.

Review posted by David Grainger, Lisburn

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We don't plan on getting another big loan like this for a while if ever but we are very glad we managed to get this one with Ulster Bank so that we can pay for our daughter's wedding in August. She doesn't know we are planning to do this and she has been saving like mad with her fiance for the big day but when we present her with the loan money she will have already saved enough for them to maybe have a nice honeymoon somewhere and they have always said they would love to go to the Maldives so perhaps that would be possible now. We have been with Ulster Bank for years and our ufirstgold account gives us certain benefits one of which is a special rate on this loan so we are delighted with this and can't wait to spring the surprise on our daughter.

Review posted by Robert Aherne, Derry N.I.

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About a year ago i took out a personal loan with Ulster Bank, I had a good experience with them I was able to borrow the 3000 I needed to buy a new motorcycle after mine had bit the dust. They were pretty good the person who dealt with my loan application was really helpful and it all went through nicely and once accepted the money was in my account with in 5 working days. If I could complain bout anything it would be the what I thought was quite high APR. It didn't really effect me this time because I only borrowed a small amount but I can Imagine it would put me off if I'd needed to borrow more.

Review posted by Diogo S

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My misses gave birth to our first beautiful baby boy last year, she had such a bad time from day one of her pregnancy up until he was born. I was so amazed at what she went though in order to bring our little one into the world safely. I wanted to to get her a beautiful gift to show her just how proud I was of her but as you can imagine we'd been really saving money trying to get everything ready for the baby. My dad suggested I look into getting a small personal loan so I could get my wife a beautiful eternity ring with a stone for the month she gave birth. I was so excited at the thought I got straight on to researching loans. I chose to go with Ulster Bank because I could pay the loan back over such a long period that it wouldn't really make a difference to our monthly living costs. She was so overwhelmed by her gift from me and baby tommy. Well worth it!

Review posted by Harry F

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For years I've wanted to look into getting a rather large loan fora state of the art camper or caravan so that myself and family could use it to travel around the uk or even Europe for holidays. I knew I'd have to borrow a substantial amount of money to get a new one so I wanted to wait until I knew I could afford repayments without getting myself into financial issues. I started to shop about and was really happy to find a bank like Ulster that offered such a long term repayment scheme. Knowing how much I wanted to borrow I really needed to find a long term repayment so the costs could be spread out. Everything has worked out really well and we're all really enjoying the freedom of the fabulous family camper!

Review posted by Jerry pope

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Our daughter's wedding will be the biggest financial cost to my wife and me since we bought our first house 30 years ago and it's fair to say we wouldn't be able to give our daughter her dream wedding without the help of this personal loan from Ulster Bank. We have some savings to put towards it but we didn't want to use up all our savings so the loan was the perfect solution. We would normally go to see our local branch manager but we have used their online facility for the very first time and have found it surprisingly easy and straightforward. We will still be popping in to the local branch to tie up a few loose ends but while we were still online we thought we would say thank you to Ulster Bank by way of this review.

Review posted by Brendan Doyle, Lisburn

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My new car is no longer a pipe dream because I have finally got around to applying for a loan. Today Ulster Bank have approved the loan and now while I am waiting for the paperwork to be sorted I can firstly say a huge thank you to Ulster Bank for giving me such a competitive rate for this loan which is very much appreciated, and also say how helpful and convenient I found their online loan application facility. It really saved me a lot of time and effort and I know I can always pick up the phone and speak to someone at my local branch if I have any problems but this online application really did make things so much easier for me.

Review posted by Catherine O'Shaunessy, Co. Tyrone

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Better the devil you know I always say and that applies with this personal loan from Ulster Bank because I wouldn't feel comfortable taking out a loan for such a huge amount of money unless it was with a tried and tested bank that I have been a customer of for nearly 30 years. I am sure Ulster Bank have done their very best to give me the best and most competitive rate for this loan because it is in their interests to keep longstanding customers like me happy. I make a point of keeping an eye on what the other banks are offering in terms of interest rates and I am pleased to say Ulster Bank are remaining competitive enough for me to be happy to go with them for this loan.

Review posted by Peter Macaulay, Belfast

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  • Ease Of Use
  • Value For Money

On paper an Ulster bank loan doesn't look to be one of the most competitive loans on offer at the moment but if you're a ufirstgold customer like me the rates end up being much more favourable. I don't suppose I would have gone with Ulster bank if I'd not already been a ufirstgold account holder for as long as I have. I knew it would place me in a good position to get a good special rate for this loan and thankfully I wasn't disappointed. Not all banks follow through with their promise of special rates for existing customers but Ulster Bank did and I am sure I'll go to them first for any future loans as I know I can rely on them to do their best for such a loyal customer as me!

Review posted by Deirdre Lacey, N.I.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I told the loan adviser at my local Ulster Bank branch that I wasn't too keen on the rates they were advertising for their personal loans and she assured me that as a longstanding ufirstgold customer I would be eligible for a much lower rate than the 6.4% they were currently quoting on their website. I took her word for it and applied for a loan online. It didn't take too long for me to see she was telling the truth and not just reeling me in with false promises. I got a very decent 5.5% rate in the end and I am very pleased with the overall loan package they have put together for me. It comes with that good rate and very affordable monthly repayments which is really all I was looking for with this loan. Thanks Ulster Bank and keep up the good work.

Review posted by Eamon White, Lisburn

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Thanks to the great loan Ulster Bank have just sorted out for us my wife is very happy that we can start planning our only daughter's wedding. The date is set for June of next year and we didn't really expect things to happen as fast as they have because our daughter only got engaged last weekend. We thought we'd have plenty of time to save up at least some of the money for it. No problems now because Ulster Bank were great at sorting out this initial loan for us which will give us the money needed to sort out the important stuff like the reception and all that involves which has to be booked quite a way in advance unlike our wedding when we had a spread at the local pub after the church! But that's how they do things these days and we wanted to make sure our daughter didn't miss out on the wedding of her dreams and thanks to Ulster Bank she won't have to.

Review posted by Kenneth Boyle, Belfast

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money