How much can I borrow?

You can borrow any amount from £1,000 to £25,000.

Over how long can I take a loan?

If you're borrowing for home improvements, you can take the loan over 10 years. Other loans can be taken for up to 5 years (or up to 7 years for loans greater than £10,000), depending on the amount being borrowed.

The minimum borrowing term is one year.

How soon will I receive my money?

If you applied online, you will receive an application pack in the post within 3-7 days. Once you have completed and returned this pack to us, your loan funds will be available within 48 hours, subject to all our credit requirements being met. We may ask you to send in supporting documentation in order for us to verify application details.

If you require funds urgently we would advise you to visit your local Ulster Bank branch.

Applications made by phone after 7pm and on Saturdays will not be processed until the following working day and we will contact you with a decision.

When is my first repayment due?

Your first repayment is due approximately one month after you sign your loan agreement.

What is a credit search?

This is a search we make on your name and address with a credit reference agency to assess your credit history. Our search will then be noted against your records. This will let other institutions know that we have requested information about you.

What is a credit reference agency?

This is an organisation that compiles credit related information on people throughout the UK. The details come from publicly available records and lenders such as credit card companies and banks.