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.

80 Reviews of Ulster Bank

As a proud customer of Ulster Bank for the past ten years I would never consider looking anywhere else for a loan- they always have great rates, top notch customer service and efficient, professional delivery of whatever you need. I recently bought a new car having resisted for many years due to an unhealthy attachment to my old car, but when the clutch packed in for the third time this year I knew that the time had come. I picked out a nice new car and got a quote for a loan from the dealership but I wasn’t happy with the rate they offered at all. I immediately rang up Ulster Bank to see what alternatives they could offer me.The very polite and friendly representative from Ulster told me about the bank’s car loans, and how I could borrow anywhere from £1,000 to £25,000, depending on what I need to cover the outstanding costs of the car. She also told me that because I’m a ufirstgold Ulster Bank customer I could access special low rates on the loan, which topped it all off! I applied and was quoted a rate of just 6.1%, which I was extremely pleased with, much better than I was getting from the car dealership anyway!Another example of good quality service from Ulster Bank and, of course, the money came into my account very quickly within a couple days so I could get my car straight away. Thanks Ulster Bank for your consistency and great service.

Review posted by Henry Collinsworth

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I got a new job which meant I had to commute and after roughly 10 days I just knew that my old rusty car wouldn't be reliable enough if I wanted to keep the job that I now loved. The problem was that I would have to wait for my first payday and I wanted something a bit more substantial than a car for a few hundred pounds, after all, my future income would now rely on it. I came across Ulster bank when I was searching Google for car loans. I thought that they would only lend to people in Ireland but I was wrong. I borrowed £4000 and quickly found a diesel BMW which I know are reliable. I haven't looked back and I arrive to work early most days. I better be getting promoted!

Review posted by Sammy Brown

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After turning 18 and getting my drivers license my next objective was of course to get my first car. Because I have only been working for a few months and havent been saving enough I had no choice but to think about getting a car loan.I searched on Google for reviews and comparisons between loan companies and came across Readies. I read all about the different companies and what they had to offer. It was a hard decision because its basically all "six of one and half a dozen of the other"... I ended up applying for 2 companies but one turned me down and it was Ulster Bank who finally granted me a £ 2500 loan. The Customer Service was great, the interest rates dont seem the best, but they didnt turn me back like the other company. Thanks a lot

Review posted by HeartBreakKid

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My car is a Vauxhall Corsa from the year 2000 and has been giving me problems ever since I bought it two years ago. Because I am young and cant afford buying anything more expensive then £2500 as that is all I have managed to save, I couldnt really afford buying something more reliable.... but enough is enough. It keeps breaking down and it was costing me loads on repairs.I sold that scrapheap to a friend of mine for £1000 and asked for a Loan here at UlsterBank of £6500. Because I'd had a loan from them before and I paid them back without any delays or problems my second loan was approved again in no time. I now bought a used car, but in immaculate condition. Good rates, professionalism, ethics and tailor maid loans with this company. No complaints. Phil

Review posted by Philip L

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I broke up with my boyfriend and suddenly I had no car. He used to drive me everywhere. I needed my own car but was out of cash. As we remained friends he advised me to contact Ulster, the company that gave him his car loan.I did and told them I was recommended by a close friend who was a client of theirs. I applied for £ 7k in order to get a nice car and maybe still have some money left over.I have a steady job, so I think it was good enough for them. I am going to pay them off over a long period which is a downfall but at least I dont have to rely on my next boyfriend. Ha Ha.Ulster Bank were quite flexible and professional.

Review posted by Princess Lesley

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Three weeks ago, I was involved in a car accident where I was found guilty and had my car and the car next to me totally wrecked. To make things better, my car wasn’t covered by any insurance at the time, which meant I had to pay out of my own pocket but having no money for my car’s repair, I had no other choice than to apply for a loan as the cost of repairing was more than I actually payed for it. I then turned to Ulster Bank and they found a good solution for me in no time, staff were helpful and truly thoughtful.

Review posted by Robert Swemant

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I bank with Ulster Bank and have done for several years and apart from the day to day needs of using a bank I generally don't have a lot of dealings with them.However I do change my car after a few years, usually just to upgrade to the latest model of the kind I am already driving. I am one of those people that likes to stick with what she feels comfortable with and the VW Golf is the perfect car for me.So when the usual TV ads start appearing I start considering trading in the current car for the latest one with all the optional extras to choose from that weren't available when the previous car was manufactured. This time an inbuilt satnav and bluetooth are my top priorities.That is when I take advantage of one of the other things my bank is there for, a car finance loan and at the moment Ulster Bank are offering me a very competitive rate to borrow the money for my new car, even better than the previous loan I had with them. So why would I go anywhere else?

Review posted by Noreen Maguire

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I like to change mine and the wife's cars every 3 or 4 years usually to avoid having to worry about MOT's and the cost of servicing. Plus there is nothing nicer than driving a brand new car with just a few hundred miles if that on the clock.I have a very good relationship with Ulster Bank as my business account is with them also so I would only go to them for a loan because I know they will always give me a very competitive rate.So far they haven't let me down and that is why the wife and I are taking delivery of our his and hers BMWs and we are both very excited and grateful also to Ulster Bank for their continued excellent service.

Review posted by Bertie K.

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I don't know what I would do without my dad and Ulster Bank. When it comes to car trouble I would certainly deserve a medal for the amount of times I have broken down, usually at night when my poor old dad has had to get himself out of bed to come and rescue me.So I have decided enough is enough if only for my poor dad's sake, and I am buying a brand new car thanks to my other rescuer Ulster Bank. They have always be a bank I can rely on when it came to needing an overdraft and they have continued that reliability in the form of a great car finance loan. I am buying a new car this week and taking my dad along to help me choose the right one and I will probably take out some sort of breakdown insurance as well just to be on the safe side.

Review posted by Fenuala Byrne

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I tend to use the internet for a lot of things, mainly shopping and occasionally to use the comparison websites. But when I decided to get a car finance loan recently I didn't need to bother with the comparison website because I already knew I would be able to get a very competitive loan with Ulster Bank.Both me and my sister have banked with them since we left school and my sister has just bought her first brand new car with the help of a loan from Ulster Bank and so it just made sense for me to use them as well. I'll be taking delivery of my brand new car at the end of the month and hopefully all talk of sibling rivalry will have died down by then.

Review posted by Thomas W.

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The first time I bought a new car I was a lot younger and inexperienced and couldn't see beyond the moment of being handed the keys to my brand new car. Which is why I made the mistake of opting for the dealerships car finance agreement instead of getting a loan from my bank.The reality of what a mistake I had made came when I nearly had the car repossessed for missing a couple of repayments.Well I don't think that I would ever want to find myself in that position again and with my car finance loan from Ulster Bank that shouldn't happen because buying my car this way means the car is legally mine from day one.And Ulster Bank have approved a loan that is suited to my budget and making the repayments is well within my affordability. So I can just get on with enjoying my new car thanks to Ulster Bank.

Review posted by Frankie

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My new job involves socialising a lot with my boss and that includes playing the odd round of golf with him whilst doing a bit of 'networking' at the same time. So it is fair to say that image was very important to my boss and I have to agree with him.So whilst I was wearing the right clobber and playing golf very badly with top of the range golf clubs, pulling up in my old banger of a car was ruining the image somewhat.My boss hinted that with the extra money I was now earning it might be a good time to consider upgrading my car which basically meant scrapping it and buying a new one. So I listened to my boss which is always a good thing to do if you want to get on, and got a car finance loan from my bank to buy a new car.I have been with Ulster Bank for several years and they are in my opinion one of the most competitive banks when it comes to interest rates on loans and so I went straight to them when I had decided what car I was going to buy and how much I would need to borrow.I now have a car anyone including my boss, would be proud to be seen in and I really hope he was joking when he said he must be paying me too much when he saw the new car for the first time.

Review posted by Gerald Lafferty

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I may have the same name as a very famous pop star but unfortunately that is where the similarity starts and ends. However, that doesn't mean I can't drive around in a very respectable set of wheels which I do thanks to a car finance loan from Ulster Bank.They have always been able to offer great financial services to customers like me and their car finance loan is one of the best according to the loan comparison websites. So already being a customer of theirs made it a 'no brainer' when it came to choosing a loan provider.My new car is 'the dog's b#ll#cks' as the famous Noel might say and I have Ulster Bank to thank for helping me get a bit of street cred.

Review posted by Noel Gallagher

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When my girlfriend found out she was pregnant we were over the moon and decided to tie the knot as soon as we could for various reasons but mainly because we had planned to get married anyway and we wanted to new arrival to be born in wedlock which made both sets of grandparents very relieved and happy.Well we are now 3 months into our marriage and we have realised that the car we currently own is not going to be big enough for a baby passenger and all the stuff that has to come with them.Our parents had paid for our wedding so apart from our mortgage we had no debts and so we decided to push the boat out and get a loan from Ulster Bank to buy a nice new estate car with plenty of boot space and more importantly lots of safety features. After all, it was going to be carrying our most valuable possession on a daily basis.We are very happy with the car finance loan Ulster Bank have approved for us and to show our appreciation we are going to open a savings account with them when the baby arrives. We may as well get him or her started early when it comes to taking good care of their finances.

Review posted by Mikey

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Getting the car finance loan from Ulster Bank was so easy and quick I wondered why I had put off applying for it for so long. If nothing else it would have saved me from a whole lot of nagging and moaning from the missus. She had been less than subtle about the whole we need a new car thing and every time I came home from work she was on the computer comparing different loan companies.I had already decided I would be going to Ulster Bank for the loan but I didn't tell her that because all the time she was busy on the computer she wasn't nagging me.Now we have the new car she'll have to find something else to nag me about which knowing my wife it won't take too long.

Review posted by Robert O'Hara

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My wife and I decided we were going to drive down to the Algarve in Portugal with our two dogs so that we could spend Christmas and the New Year with our daughter and her new husband. He is a lovely Portuguese chap and our daughter met him when she was a rep for a holiday company out there.The only problem with our plan was our car was quite old and we were worried we might have problems with it when driving for such a distance. Even worse we had visions of it not starting when we were getting off the ferry which was too much for my wife to contemplate.So we decided to buy a new car and so we went to our bank to ask for a loan. Ulster Bank were only too happy to oblige and before we knew it we had our new car courtesy of Ulster Banks car finance loan. And when we told the bank what we were planning for Christmas they recommended a really good travel insurance policy to give us even more peace of mind.

Review posted by Daniel

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My dad advised me to go to my bank for a loan when I told him I was thinking of buying a new car. He explained about the pitfalls of taking out the car dealers finance agreement and how it meant the car wouldn't be legally mine until the last repayment was made and I thought blow that. When I take my first drive in my new car I want to know that it is mine right down to the spare tyre in the boot and that is why I am glad the Ulster Bank approved my loan and gave me the chance to become the owner of the car I had been dreaming of for quite a while.

Review posted by Stephen O'Darragh

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I have a great job working as a chamber maid in one of the big hotels in Belfast and one of the rules of employment is timekeeping. I can't afford to be late because then it puts everyone else on the staff in a bad mood when they have to fill in for me.So my car is a very important thing and has to be top of my priority if I am to keep my job. My bank seems to appreciate this and that is why I managed to get a great loan from them to buy a new car after my old one finally gave up on me.I have been with Ulster Bank since I left school and even though I have taken out the occasional payday loan with various loan companies when I have found myself a bit short of cash towards the end of the month, when it comes to something as important as a huge financial commitment like my car loan I wouldn't dream of going to anywhere but Ulster Bank.

Review posted by Nuala B.

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I work for my local council and can't be without my car for too long because I live in a tiny village outside of our main town and the local bus service is atrocious. It's something that frequently comes up during our weekly council meetings, the bus service not my car, and has yet to be resolved.So until then my car is a must for me and when it started giving me problems and broke down yet again recently, I decided enough was enough. I had to get the money to buy another car.I am ok with using a computer and the internet but I much prefer dealing with people face to face and so I went to my bank for a loan to buy the new car. I knew they would be fairly competitive when it came to the all important APR because I keep an eye on those sorts of things but it was important that I got a loan that suited my affordability and I knew Ulster Bank would make sure of that.So now I have my newer, more reliable car which is just as well because the council still haven't sorted out the atrocious bus service.

Review posted by Dermot Fahey

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When my wife and I got married 3 years ago we borrowed some money from our bank to pay for our honeymoon. The wife's parents were paying for the wedding reception so we couldn't expect them to fork out for the honeymoon as well.So it's because we got such a good deal on that previous loan from Ulster Bank that we went back to them recently when we needed another loan to buy the wife a car. Up until then we had been getting by with just the one car but it wasn't really convenient and now that we are thinking of starting a family we really want to get the expense of another loan out of the way sooner rather than later.Ulster Bank were brilliant when we explained our situation and although the APR isn't as low as we would have liked the monthly repayments are easily affordable for us even if the wife has to give up work before the loan is paid off.That was our main concern and so we were happy to agree to the loan based on that important factor and just want to thank Ulster Bank for their continued great personal service to their customers of which we are happy to be one of.

Review posted by Fergal McD

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I applied for a ulster bank for car finance after looking for an old VW camper van. I picked ulster bank after reading the glowing reviews online i just clicked and applied. I received a phone call to tell me I had been approved but I would need to provide more information if i wanted to proceed with the loan. So I did this and waited on a final answer. The paper work and post service took around 5 days and i was then waiting to be told it had got back to ulster bank and get the money.Waiting felt like it took forever and the rep dealing with me was really understanding and I received email asking if I had found a vehicle i was looking to buy yet as the money would be in my account in 24 hours. Nice personal touch. Thank you for helping me get my Camper Van

Review posted by Gina Rotterman

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I would have no hesitation in recommending Ulster Bank. Andrea at there loan department helped me with all my initial questioning with great patience. She was great in walking me through the application process to ensure we ended up with the right result for me. Once an application was submitted Andrea kept us up to date on progress of the Money being delivery into my bank. This was done via email.Andrea made sure that we had 100% peace of mind that the car loan would be accepeted and funds paid as promised...and she did.Thank you so much for all your help, your provided us with a wonderful service!

Review posted by Danielle Turner

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I had no idea Ulster Bank offered such a wide range of services so when i wanted to get a new car i decided to try them first for a loan to see if they could help. Being a customer already everything was so easy to complete and fill out my application online. The process online was very easy but i did find this a little confusion as a lot of information of payment options came back. I was going to call up when I recieved an email with all the information, guiding me through out it all, the loan that suited me the most, the payments based around my abilities. Great service and someone is there to help you through everything over the phone, cost me nothing! Online service is up to date and supper fast i was really impressed with the whole online process. how customer friendly it is.

Review posted by Lily

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Ulster Bank as a company has to be the easiest, most friendly out there. Harriet was the women who took me through my app, she was fantastic she was always cheerful, polite, and so very helpful, she is a true credit to the company. I wish that other companies offered the same service with great staff as good as the Ulster Bank.The whole process i found was so easy. All the way through the process Harriet kept us updated by phone and email. Whenever I sent her an email she always got back very quickly. I just can't praise her enough.

Review posted by margaret

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I recently purchased a second hand VW Golf, with great ease with the help of ulster bank. I have been a customer for a few years since they opened up a branch near my work. I also have an Ulster Bank credit card. This entitles me to great offers and this is the only reason why i applied for my car finance with them. There was no other lender i wanted to go with then i need money so i applied through my online banking and was accepted in minuets. Thanks Ulster Bank can always count on you to help me.

Review posted by Mr G

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My purchase of a new vehicle was very straight forward with no problems at all. This was all thanks to Ulster Bank who help me with finance , with out them i would not be able to got my new vehicle, So for this i am grateful.Very happy with service i received. No complaints at all and saved a great deal of money with low Rates as advertised on through their website. Biggest problem is paying the repayments back every month and would advise anyone looking to borrow make sure they can afford there monthly repayments. If not DO NOT borrow.I must admit this was a little bit of a worry as I had not used Ulster bank before but needless to say the service was perfect and meet all my expectations.

Review posted by Bethanie Yeo

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Normally i am one to adise people not to borrow and get over whelmed by debt. But i proved myself wrong. getting a loan is a ery handy thing to do sometimes. what we have sometimes isnt enough and we all know thats the truth.I got a car loan for my daughter who has just got her drivers' last week. Am only gonna get her an old Vauxhall Corsa so that she can gain some experience. Its gonna end up hitting our driveway anyway lolOn a small 3 grand loan I got quite a good rate, and were approved very quickly. Congrats Ulster bank, ive been a client for several years now and i wont be going elsewhere anytime soon!

Review posted by Jacqui Q

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I have had 3 car loans with them and I would not hesitate to make them my first point of call when I am needing any loan I got to know the staff on a personal basis due to calls I have made about my account or loan. This is a bank that will return your call every time. When I hit a bump in the road, the Loan's officer was so empathic and kind and gave me time to catch up on a few payments, I was never made to feel awful and guilty.This is a bank that truly truly cares, they will bend over backwards for you. They make me feel like a valued customer. I do not have another bank account and probably never will. The Ulster Bank understand my needs as a customer and have come up trumps every time. You are the only bank in my books.

Review posted by jen

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Ulster Bank is definitely the best choice of for a car loan. Their funds can be deposited directly into your bank account as soon as the same day you apply, so you can move quickly on your purchase and shop as a cash buyer Ulster Bank offers fixed-rate loans to purchase any car from any seller. That means any make, any model, any year, any style, from any dealer or even a private party. And there are no fees and virtually no paperwork. Simply fill out a brief, online application, and if approved, sign your loan agreement electronically, set up your account for funding, and purchase your car. I assure you will not regret getting a loan from Ulster Bank!

Review posted by Carol T

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I am not sure why all the negative comments i am on my second BMW. Much to my surprise i was actually approved through ulster bank for my first cari thought for sure you needed a good credit score to get into one but at the time my credit was poor i mean poor but never the less i was approved. After going through a Job lay off ulster bank customer service was actually great they worked with me untill i was able to get everything back on track.Even after that i was actually approved for a lease option which i thought i would never be able to, i declined due to mileage issues but i was able to get financed for a near to new smashing car with only 13K miles and with the new car scent still on it !!For anyone who wishes to i highly recommend ulster over any other.

Review posted by L.Smith

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I am 26 years old , have a steady job and earn a reasonable income, I believe. I have always been comfortable using public transport but I just felt ready to make the step up tobuy my own vehicle. I realised that being my first car I should not look too high but I should also look at reliabilityand resale value. It did not take too long to find the car that was very suitable and now came thetask of applying for a car loan. I thought that me being so young and this being my first car mightpose a few problems but on the advice of my parents who are Ulster Bank clients I visited theirbranch. The staff were wonderful and before long all the different options were explained to me and amonthly payment of 140 pounds was settled on which I felt quite comfortable with. What impressed methe most was the speed at which everything was concluded. Really all they wanted to know was aboutmy employment and stability.The rest was the usual form signing which was over in a jiffy. Certainlymade me feel a lot better about our banking system. I recommend to first time car buyers totally.

Review posted by annie pippen

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I have nothing but praise for Ulster Bank car loans. The deal they gave me was very hard to beat. I compared it with 6 different finance companies. From the interest rate being low, to the extra perks, Ulster has to be, in my opinion one of the smartest choices around.They are flexible and offer what others don't.I bought my car at a very good price , as they gave me a list of thousands of vehicles to chose from, I was able to see the car's history and decide which one was best for my family and I.I also received a 12 month free breakdown offer and I took out the insurance with ulster Bank as a special package.I'm extremely happy with this company and have saved a reasonable amount by opting for them.

Review posted by Barry P

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Ive borrowed £5000 from Ulster to buy a Smart for Four. I'm happy with the service, they charged me only 4.2% APR which was less than my own bank could offer me.My monthly payments are reasonable and they come straight out of my bank account so I don't need to do anything else.They didn't need to check much, the whole process seemed quick. I do have a good credit score though, I'm not sure if they accept people with bad credit as they turned my friend down a few days after.I recommended to him as I do to all of you. Just make sure you can pay it back!

Review posted by Franccesca Allured

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Thank you to the lovely staff at Ulster Bank who dealt with everything with minimum fuss when organizing my new car loan.You were all so amazing and made life so much easier!!! My purse thanks you and so do i!It really was so easy to do this.thanks to them. From obtaining several quotes, making comparisons to what is affordable and over what length of time to choose from. Once this was decided i went through the application with a trained adviser and applied and was happy when i was told i was accepted and the money was delivered on time, like promised!Ulster Bank offers a great service and i would recommend this company to all

Review posted by Gabriella Monteiro

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My application with Ulster Bank Car Loan Online the whole process was easy and quick to fill out. There was good amounts of communication of what was being looked at and what documentation needed submitted after the initial application. I knew that my application was submitted and someone would be in contact with me and I never felt forgotten about. Once approved the money was there the next day! That fast! Getting a New car is a stressful thing, but getting help through Ulster bank helped to remove some of that stress. And now I am going to get a new car faster!

Review posted by Michael K

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I was online looking at the best deals and stumbled Ulster Bank's website I saw their car loans and it got me thinking. Few days went by and I was checking out new cars, and really getting into the idea of buying. I had been thinking about getting a new car before ever knowing about their rates but things had been hard and my bank will not give me a loan.I went online to their website again and applied. I was accepted, money is in my account and now its only a matter of time… I asked for a Loan and got lucky. Still cant believe my luck, OVER ThE MOON

Review posted by Skyler

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I started banking with Ulster Bank when I first left school but after becoming a bit discontented with them for reasons I can't even remember, I went to another bank.However, all that is water under the bridge now because I have just been approved a great loan with Ulster to buy a new car and the fact that my current bank couldn't offer me as good a loan makes me wonder if perhaps I had been a bit hasty all those years ago.Anyway, all that matters now is that Ulster Bank have given me the loan and by the weekend I shall be driving my new car provided the dealership don't let me down and have got all the paperwork sorted out.

Review posted by joey stone

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I already had my bank account set up with Ulster Bank when I needed a loan from them so it all ran smooth. They quickly checked my credit and gave me a ten-thousand-quid loan.So pleased with their servicesThe account manager was super friendly and used simple terms so I could understand the whole process. After all the paper works, I then ran into the nearest used-car dealership and bought a 2008 Lexus.After trying to apply for a loan 2 years ago and getting my application turned down with another bank, I was afraid of experiencing it all over again.Well done Ulster Bank.

Review posted by Ash Wools

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I found the Ulster bank lending team to be brilliant. They make sure you understand everything about the loan before you have to agree or apply for anything. They help me with all queries, and give courtesy calls just to check everything was ok with the documents and kept me up to date on there return and funds. I am extremely pleased with my new car and the finance rate I got with the Ulster bank whose kind and caring staff made it possible for me to borrow enough to buy a car and pay it back over time. I have and will continue to recommend this company to everyone.

Review posted by Jim Penrose

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Most people think I am joking when I tell them that we changed our previous car because our baby's pram wouldn't fit in the boot. But that is the truth and had we had the foresight to measure things before we bought the pram we might well still have our other car. But hindsight is a wonderful thing isn't it.Changing prams for a smaller one was not going to be an option as far as my wife was concerned and so that lead us to buying another car and to do that we went to Ulster Bank for a car finance loan. Fortunately we got a really good interest rate and now that I have got the new car I am really quite pleased that the pram took priority over our old car because the 0 to 60mph on this new one is really quite impressive but I haven't pointed that out to the wife who is always nagging me to slow down when I am driving.

Review posted by Glenn Humphries

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The damn car broke down last week. Mechanic says its not worth fixing it. Rather scrap it and buy a "new" car. Me and my Boyfriend were thinking of getting in touch with Ulster Bank and request a Car Loan for £7000 and get us a nice, second hand but more modern car. We contacted them and they seemed quite professional over the phone. They helped us through the application filling out the form. they said that they would send some letters to our house for us to fill in and send back. In less then one week we had our loan! For the service we got the rates for fair. We now driving again Thanks to Ulster Bank

Review posted by Alison Hale

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Most of the time when I need to borrow money I can just go to my dad. He's happy to lend me the money provided I pay it back as and when I can. But we're only talking about hundreds of pounds here not thousands. So when I needed to borrow the money to buy myself a half decent car I had to go down the car finance loan route.Dad did help me though by going through some of the online loan companies with me and explaining the importance of APRs being as low as you can get them but the most important thing he said was that the repayments on the loan had to be well within my affordability otherwise I would be getting myself into a whole lot of trouble if I started missing repayments.In the end my dad suggested I just go with my own bank for the loan because he said even though they had quoted me an APR slightly higher than some of the other lenders, Ulster Bank were quoting a repayment amount that would be much easier for me to pay each month.So that's what I did and I have just received confirmation that the loan money is being transferred into my account today. This is by far the biggest amount of money I have ever had to borrow but I am not worried about repaying it because with my dad's and Ulster Banks help I have got a loan that is just right for me.

Review posted by Leona Byrne

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I have had an account with Ulster Bank since I started working as a teacher here in Belfast over a year ago and when I applied for a car finance loan with them recently I wasn't sure if I would get it, so I had a plan B lender to fall back on who had already given me an online quote that wasn't too bad.But I really wanted to keep things simple and get the loan from my bank and so when they approved my application I was delighted. The APR was the same as my plan B lenders had quoted but the repayments were much better for me and that was the main criteria for me when I was looking for the loan. I didn't want to borrow money and then have to struggle with the repayments each month and thanks to Ulster Bank I shouldn't be having any problems at all making the repayments.

Review posted by Daryl Jessop

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Best thing is call up and not have to listen to horrible music while on hold for a ridiculous amount of time. Call was answered fast and politely. Well-mannered staff girl was helpful and had a nice level of professionalism!It was lovely to speak to a human being. Someone who could understand what i was saying and likewise there is nothing worse than being passed to other advisers or to automated services.All banks do that now they prefer to have a machine answering calls, “press number one for this, number two for that” what if what I want to say doesn’t have a number? When this first started, you would talk to the machine but the machine would give you an option to speak to a real person… Not now though. This is a rare one that still tends to their customers personally, everything was done on one call. My call back was promised and was delivered. On the day around the time i was promised i was called back.. Money was deposited to me on time.Well done Ulster bank

Review posted by simon

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It took me a long time to make a decision as to which loan company to approach as there are so many out there.I finally decided on this one and am glad I did. The staff at Ulster Bank were efficient and they were helpful. The loan of £12 000 was given to me without any headaches and the money available reasonably quickly. Interest rate was around the average so I feel I wasnt overcharged. I feel this company was efficient so its certainly one to consider, in my view. If you get the same service I got, I doubt you will have any complaints...

Review posted by Trey Banks

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Even though I have been driving for nearly 5 years, having passed my driving test at 17, I have never had a car I could call my own. Mostly I borrowed my mum's car if I was going out for the evening and very occasionally my dad would let me use his car if it was for something important like getting to a job interview.Having just landed my first proper job on the other side of our town I realised it was time to get a car of my own. I went online to compare different loan options but after several refusals from other loan companies and banks because of my salary I almost gave up until I clicked on Ulster Bank's loans website.I should have just gone straight to them first because their loans are clearly aimed at people like me who are in regular employment but are still on the bottom rung of the salary ladder so to speak. Within a week of my application I now have the money to start looking for my first car ready to start my new job next month.

Review posted by Regina Class

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Without the loan I got from Ulster Bank I would probably still be riding my bike to work. I enjoy riding my bike and even doing the journey to work everyday was nice provided the weather wasn't too bad but with winter fast approaching I knew I wouldn't be keen on it for much longer.My job as 'runner' for a small TV production company doesn't pay very much so I was having problems trying to get a loan to buy a car because of that and was just about to give up when someone at work mentioned Ulster Bank had great t&c's and that I should give them a try.That turned out to be the best bit of advice I have had. And now I have my new car.

Review posted by Lorna Cornby

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When I decided to replace my current car the choice of whether to go for a really good second hand one or go the whole hog and buy a brand new one was all hinging on how good a loan I could get.It wasn't just about getting a low APR it also had to come with easily affordable repayments because as much as i wanted to change cars I really didn't want to compromise my finances too much as I have a few other financial commitments that have to take priority.After looking at several lenders on the readies loan comparison website to get some idea of what the competitive going rate rate is at the moment, I finally went with Ulster Bank who I have been a customer of for 10 years because at the end of the day Ulster Bank could match the competitive APR to within a point of a % but the repayment plan they were offering me meant my other financial outgoings would not be affected and that was very important. It makes sense that Ulster Bank would be able to provide this loan because who knows my finances better than me, my own bank of course!

Review posted by Caitlin Tyson

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This has been a week of 'firsts' for me. My first promotion and pay rise in the job that I love and hope to rise to the top in. My first loan to buy my first ever brand new car.I have only been banking with Ulster Bank since I started my job 3 years ago but they have proved to be a very good bank that offers sound advice and great financial services.This car finance loan that they have just approved is as competitive as they can get and they have tailored the monthly repayments to fit in easily with my budget so that I am not overstretching my salary each month.Finally, this is my first ever online review and I felt I owed it to Ulster Bank for them to be the subject of it.

Review posted by Jerome Mackey

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I have used Ulster Bank in the past as a credit card provider. They offer and have some great 0 %APR deals and reward points with some retails stores. I have taken out cards in the past to take advantage of the offer, and pay them off and close them down, untill the next deal become available again. So when looking to buy a previsouly owned vehicle i was going to apply for a card card , however due to large a mount this would not work in the long run for myself with a c.c apr rate.So i took about 5 minutes to fill in the form and decided to apply for a loan with them. Simple, when I clicked complete I was offered a loan pretty much straight away. They give me the option to repay over 12 or 24 months (longer options possible) and the rate is nothing compared to the rate of the Card would be after 12 months % free. I found this acceptable considering I only want the loan for a 2 year period and would benefit more from a loan and a credit card. Overall the service I received is good - there are no major negatives that i can think to mention as I got the loan I was looking for from Ulster Bank.

Review posted by Sandra Quigley

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Since I was a teenager all I wanted was to have a nice bike. All the other kids wanted them cars and stuff but I always had other interests.When I was in my 20's I almost joined those "hell angels" biker groups as it looked like a cool thing to do.Now, in my 30's Im a lil more grown up now and am a father of a lil girl. Dont want any trouble or give my daughter a bad environment to grow up in.But still I couldnt resist in buying myself a lovely Harley Davidson. At the price of 12 grand I thought it was an amazing deal.I had 6 grand in my savings account, sold my old bike for 3 grand. So I wasnt far away from my target. Went online and found readies and via them I decided to apply with UlsterBank. Yesterday the 3 thousand pounds I requested for was in, and I am indeed happy with this company. Me myself have no compaints, if you try it out hope you have the same luck I had.All the best Ryan

Review posted by Biker Ryan

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I got a very good loan from Ulster Bank to buy my new car. They are lending me the money and letting me repay it over a 5 year period which is the only way I would have been able to afford it. I did look at other loan companies but they were quoting really high interest rates for a 5 year loan period which would mean I couldn't afford the car I had in mind.I think being a customer of Uster Bank for nigh on 20 years I must have earned some Brownie points because I really couldn't have asked for a better loan. The monthly repayments will barely put a dent in my monthly budget. That was the main reason for me wanting a 5 year loan period. I didn't want to be struggling at all with the repayments.And so thanks to Ulster Bank I can buy the car I want and not just the car I can afford.

Review posted by Mandy Kavanagh

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Driving my new car around town and knowing that it is only costing my just over a hundred pound a month is a great feeling. I took the loan out with Ulster Bank over a 4 year period for that very reason that it wouldn't be leaving me short each month. Whats the point of having a new car if you cant afford to put petrol in it.My loan adviser was very helpful and worked out the loan repayments for me because I got myself in a muddle trying to do it myself online and gave up and gave my local branch a call. Some things are best done over the phone if you can avoid the computer I think. Sure I've even had to get the girl at work to type this review for me because my spelling is atrocious!

Review posted by Sheelagh D., Cookstown

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I'd never buy a brand new car again, my last one depreciated as soon as I drove it off the forecourt of the car dealers but it served me well for ten years so I can't complain and the money I got selling it is going towards me buying a really lovely secondhand, or ex demo as the dealers refer to it as. The rest of the money is courtesy of a very competitive loan from Ulster Bank.This is the first time I have taken out a loan with Ulster Bank even though I have been a customer for a number of years. I generally like to pay for things up front but a big expense like a car, even if it is a second hand one, is a bit different and thats when a competitive loan comes in very handy. I never thought to go any where else for this loan because Ulster Bank are renowned for their competitive loans and I can't argue with that.

Review posted by Dermot Clancy, E.Belfast

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I said a big No Thanks to the car dealers finance deal and just went to Ulster Bank for this loan to buy my wife's car. I really think the car dealers need to get their act together and come up with a more competitive package if they really expect customers to choose to buy their cars through their car finance deals.I don't think that'll be happening any time soon so for the time being I an glad that banks like Ulster Bank are willing to give their customers such a great deal on car finance loans. I am more than happy with the loan I have just got and when its paid off I am going to treat myself to a new car if my current car can last out that bit longer.

Review posted by John Dunn

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I'm lazy not stupid so I went with Ulster Bank for my car finance loan not just because they are my bank and it was easy. Ulster Bank are also giving me a very competitive interest rate for this loan and if they weren't then I really would be stupid because there are loads of very competitive lenders to choose from.I looked online and did a bit of research, not too much because remember I am lazy, but I did enough to know that Ulster Bank were as competitive as all the other banks and high street lenders so it just made sense to keep it in the family so to speak! I even did the unthinkable and went to my local branch and did the whole application face to face with the loan adviser. Normally I would have done it all online but as my local branch is right next door to a car dealers it enabled me to get the loan and then look for a new car all in the same afternoon.

Review posted by Breda Carty, Lisburn, N.I.

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I might have put the cart before the horse when I chose my new car and put a small deposit down on it. I didn't have the car finance loan yet but because I bank with Ulster Bank and have a good relationship with my local branch manager I was pretty sure I could get an affordable car finance loan from them.I had already looked on the internet to see what sort of car finance loans there were available and so I knew Ulster Bank were offering competitive rates on their loans. I applied online for a quote and kept my fingers crossed that a) I'd get a favourable rate and b) I wouldn't be turned down!Thankfully I was lucky on both counts and I now have the loan approved and the money in my account. I'm straight off to the car dealers now to pay the outstanding amount on my new car and hopefully be driving it home today.

Review posted by Declan J., Belfast

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I was recently in an accident that wasn't my fault, but my car was badly damaged. I had to make a decision as to whether I wanted to repair it or just get a new car. The biggest factor that was effecting my decision was finance. Fixing my old car was going to be costly, and although the insurance would cover this, I wasn't convinced it was really worth it, being an old car anyway. In the end I came to an agreement with my insurance company, the car was scrapped, and I got awarded some money as compensation. However this was still not enough for a new car, so I took out a car loan with Ulster Bank. As I didn't need to borrow a huge amount, I got a good interest rate and will be able to pay off the loan within just a few months.

Review posted by Grace Oxley

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As if moving house wasn't an expensive enough process as it is, I found myself needing to fork out for a new car too. Because our new place is so remote, the accessibility isn't great and there's a couple of roads which are just dirt tracks rather than properly surfaced roads. My little city run around was not coping well so I needed to invest in something a bit more sturdy such as a jeep. Having already spent so much money on the move, there was nothing left over for such an investment, so I was glad to be able to use Ulster Bank's financial services. They took a look at my credit history, asked me about my monthly expenditure and yearly salary, and then provided me with a quote. I was very happy with what they proposed so went ahead and accepted and received the money in the same week.

Review posted by Hermoine Ledder

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My daughter had been hassling me to get a horse trailer for months already, and the fact that we don't have the money doesn't really seem to get through to her. In the end she was so persistent that I started to give in and began looking at what financial options were available. I found Ulster Bank and was impressed by some of the customer feedback I read, so got in touch with them for a quote. The repayment plan they offered me was actually more affordable than I was expecting, so I went ahead and took out the loan. Now I have a happy daughter (for now at least!), and the small repayments will just be taken automatically out of my personal account each month as agreed.

Review posted by Daniela Keening

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I have a great little car now courtesy of a great loan from Ulster Bank. I spent several hours looking online for a competitive car finance loan only to find that my own bank were offering just such a thing. Who'd have believed it? I really will have to stop moaning about my bank now and start saying nice things about them.So for starters I am posting this review to say to my fellow Ulster Bank customers, stop thinking the grass is always greener on the other side. Ulster Bank really aren't too bad at all and my very competitive car finance loan is proof of that.

Review posted by Connie O'Hara, Lisburn N.I.

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I was hoping I could rely on Ulster Bank to come up with a competitive car finance loan and I am delighted to say they haven't disappointed me. I made sure I did a bit of research before I approached my local branch so that I knew what sort of rate I should be looking for and Ulster Bank were able to come up with a very favourable quote which I didn't take too long to agree to.I was in a hurry to get my new car before I went on a golfing trip to Cork in southern Ireland and thanks to Ulster Bank processing my loan application quickly I had the money in my bank account within the week and had bought my car the following weekend.I'm off on my golfing trip this weekend and the new car boot holds my golf bag very easily and there's plenty of room for the inevitable souvenirs that I'll no doubt be picking up along the way.

Review posted by David Darragh, Belfast

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I am always the first to moan about banks in general especially when I'm in the pub with a glass of Guinness in my hand but I might have to eat a bit of humble pie since I got this really great car finance loan from Ulster Bank. They have really surprised me the old cynic that I am and this loan is not only very competitive but it's affordable because of the loan period they have based it over. I was fully expecting to have to spend an evening scrawling through a load of car finance loan websites but it wasn't necessary and for that I'll gladly raise my glass of Guinness to the wonderful bank that is Ulster Bank. Cheers!

Review posted by Kieran Dooley

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I am delighted to say that Ulster Bank haven't et me down with the car finance loan they have just approved. They promised to match the rate I had been quoted from a rival lender and they did that and more. They made the repayment plan very convenient and much more affordable than the other lender could have so that was a big plus point for me. So I ditched the other quote and went with Ulster Bank because it would seem rude not to after they went to such trouble to keep their customer happy. I haven't been a customer of their for very long so it was even more appreciated that they felt they wanted to me on board with this loan.

Review posted by Lyndon Murphy

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Upgrading my car was well overdue, and although I had been hoping and praying for a pay rise, it hadn't come soon enough. For this reason, I needed a car loan, and Ulster Bank were more than happy to help me with this matter. Their website said I could bring my plans to life with their car loans, and that's exactly what I was able to do. Such a big investment wasn't something I could afford all at once, but Ulster Bank let me spread the cost over seven years, which puts the repayments at an affordable amount - exactly what I needed. I think the amount of time you take to repay depends on how much you're borrowing - so make sure you check that before going ahead.

Review posted by Myriam Atterly

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When my eighteenth birthday was coming up, I saw it as the perfect opportunity to get my own car and have some real independence. They say turning eighteen is when you really become an adult, so I wanted the freedom to go with that. Mum and Dad's money situation isn't great, so I wasn't going to ask them for help with this - however I knew at the age of eighteen you are eligible to take out a loan, so that's exactly what I did. I went with Ulster Bank - I'd heard good things about them and they were happy to explain things to me as I was a first time loan applicant. Finally having the freedom to go where I want, when I want, is so great, and I couldn't have done it without this help from Ulster.

Review posted by Joseph Crickley

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As a resident of the United Kingdom, I wasn't aware I could get financial help from an Irish bank. I guess I should have figured that with the Internet, anything is possible nowadays. I'd found a really good deal on a car at a local dealership, however it was a bit out of my price range, well quite a lot out of my price range actually. Ulster Bank were the ones that offered me the most appealing deal - the most important factor for me was affordable repayments, because my salary isn't all that great. They were understanding and flexible, and definitely worthy of a positive review.

Review posted by Bert Kreening

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Because I had a good trade in price from the dealer for my old car I was able to keep my loan from Ulster Bank to a very affordable amount and take the loan out over 3 years instead of 5. Originally I had thought the better option for me would be to borrow a bit more and repay it over a longer period but the more I thought about it the more I realised that I didn't want to be saddled with a loan other than my mortgage for too long. I can just about cope with having a loan over a 3 year period and as there is a good chance I will get fed up with the car and want to change it by that time anyway so 3 years is going to work out fine for me.

Review posted by Jennie 'Hara, Cookstown

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I am very pleased with the car finance loan Ulster Bank have set up for me. It ticks all the boxes with regards to convenient and affordable repayments and of course a reasonable APR. If Ulster Bank hadn't been so competitive with their rates I would probably have gone elsewhere for the loan. Nowadays it is so easy to go online and find a loan that suits but if you can get it from your own bank then I think that is the best case scenario for most people. I had a couple of other lenders lined up if Ulster Bank didn't come up to my expectations with this loan but I am happy to say they did.

Review posted by Eamon Dunn, Lisburn

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Prompted by laziness I decided to go to my own bank first when I was looking to take out a car finance loan. I know most people do the whole scouring the internet and looking at all the different loan comparison websites first before making their final choice but I couldn't be bothered to do all that if it wasn't really necessary. My best friend had just bought himself a new car and he did all the research and checked out every single car finance loan on offer before finally going to his own bank for the loan. His bank happens to be the same as mine Ulster Bank so like I said, why go to all that bother if it really isn't necessary!

Review posted by Gerald O'Hara, Lisburn N.I.

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I haven't had call to take out a loan for a few years so I was pleasantly surprised to see how much easier it can be, and how much more choice there is since we now have so many online lenders. So I have asked myself the question why on earth did I end up getting my car finance loan from my own bank when there is so much choice out there. Well the simple fact of the matter is Ulster Bank were offering me just as good a rate if not better than the majority of the lenders whose websites I looked at. And the ones that were offering rates that seemed too good to be true, were generally just that, too good to be true! So in the end I am more than happy with the car finance loan Ulster Bank have given me but its nice to know there were other choices out there if Ulster Bank had not been satisfactory.

Review posted by Russell Maguire, Belfast

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I am delighted with the car finance loan Ulster Bank have sorted for me. It couldn't have come soon enough for me as my old car was becoming more and more unreliable and had broken down several times in the past couple of weeks making me late for a very important appointment on one occasion.I suppose I should have done a bit of research before applying for my loan with Ulster Bank but I don't think I would necessarily have got a better deal elsewhere because the APRs that a lot of lenders quote on their websites don't always turn out to be the APR you end up with. I found that out a while ago when a friend took out a loan with one of the big banks.Getting this loan through my own bank is a much more convenient option for me as I know the staff well at my local branch and they assured me I was getting one of the most competitive rates based on my personal circumstances and I trust their advice on this sort of thing. Now I just need to get on and sort out my new car before I'm late for any more appointments!

Review posted by Rita Connelly, Co.Tyrone

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Before I move back to Belfast I wanted to buy a new car and living in London at the moment there are more dealers to choose from so I am bound to get a decent car. I just needed to sort out the finance for it and decided to give my bank a go first to see what sort of rates they were quoting for a 10K loan amount.I used the loan comparison website Readies on the recommendation of a friend so that I could not only check out Ulster Bank but some of the other car finance loans on offer from the other main banks as well.I was pleased to see that my quote from Ulster Bank was as good as most of the other advertised rates from other banks and so I didn't bother taking my enquiries any further. I just got straight on to Ulster Bank's loan application page and went ahead and applied for my loan.That was 3 days ago and I already have my loan approved and finalised. I am just waiting for the funds to hit my account before shopping for my new car. It really couldn't have been any easier for me getting this great loan from Ulster Bank.

Review posted by Michael Foley, London

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This is a great car finance loan that Ulster Bank have given me. I can borrow 20K and pay it back in very affordable monthly instalments over the next 7 years which is why I chose to go with Ulster Bank. They were much more flexible with their terms and conditions and paying back the 20K over 7 years is the only way I could have afforded to borrow this much. I am hoping to buy a car that will see me well into my retirement in 8 years time because I don't want to be taking out any more loans like this after I am retired and living on my pension. I just knew I could rely on Ulster Bank to sort me out with the right sort of loan and they haven't let me down.

Review posted by Paul O'Leary, Port Stewart

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20K loan at a fixed rate of 5.9%APR over a 5 year period is pretty much the ideal car finance loan for me and being able to get it from my own bank was the icing on the cake. Ulster bank came up with this great loan for me and I am glad I went to them instead of looking around at loads of other lenders some of whom I had never even heard of before now. I did the sensible thing and just checked out a few loan comparison websites but as soon as I realised Ulster Bank were offering really competitive rates I didn't bother looking any further. Ulster Bank know me and I know them so what's the point of wasting time looking when the ideal loan is being offered to you already.

Review posted by Dermott Regan,

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I want to thank Ulster Bank for this great car finance loan. I won't go into any great detail but just to say that once again Ulster Bank have come up trumps with a very competitive and affordable loan for me. Two years ago I took out a loan to buy my wife's car and Ulster Bank gave me a great deal so they haven't gone downhill since then with their loans as far as I can tell. I hope they are still offering great deals when we have to buy our daughter her first car, she's only 14 so I am hoping that will still be possible in about 3 or 4 years time.

Review posted by P Weldon, Belfast

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Ulster Bank have been a good bank to me over the years and this car finance loan shows they are still worth banking with as far as I am concerned. They are offering a really good interest rate for this loan which makes such a difference when you are borrowing this sort of money to buy a new car. It really is worth shopping around for the best rate but if you can get it from your own bank then you're very lucky. I am hoping to get as good a deal with the purchase of the new car I have my eye on and I hope that proves to be the case.

Review posted by Susan Allen, Lisburn

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  • Ease Of Use
  • Value For Money

I've always found it easy to deal with my bank as they have a great team of people working at my local branch and they're always up for the craic when I go in once a week to pay in the store takings for the boss although I have had my knuckles rapped a few times for taking too long. So when I was looking for a car finance loan I didn't dare make my enquiries during my usual visit to deposit the takings. Instead I waited until I got home and went on to Ulster Bank's website and applied for my loan that way. As I had hoped, I got approved for a great loan at a really decent rate but it wasn't quite the same as going into my local branch to arrange it. Mind you, if I'd done that I could still be there now having the craic!

Review posted by Robert O'Leary, Lisburn

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

I haven't always seen eye to eye with Ulster Bank but I definitely think they have managed to redeem themselves with this car finance loan. I think they must have gone out of their way to show me all my past criticisms of them were unjustified. Well I wouldn't want to drag their good name through the mud after they've given me such a good loan so I'd say we should agree to disagree and leave it at that. The main point of this review is to say that banks may not always get it right but when it comes to something as important as a car finance loan Ulster Bank haven't let me down.

Review posted by Tony Boyd, Newry

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

Give credit where its due so I dont mind going on record as saying Ulster Bank have given me a fantastic car finance loan. Its way better than I thought it would be and has saved me a lot of time and effort looking elsewhere for this loan. I know you can use all the loan comparison websites in the world but at the end of the day you still have to pick a loan company from all the information you have unwittingly bombarded your brain with. I took the easier route and went to Ulster Bank and I wasn't disappointed with what they came up with. It was as simple as that!

Review posted by Mick Grogan, Port Stewart

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