Ulster Bank

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Company Information

  • Company Name:
    Ulster Bank
  • Website Address:
  • 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 have been submitted - read the latest 3 below

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

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

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