You could get your money today if you apply and are approved before 5:45pm, Monday to Friday, excluding bank holidays.
You could borrow up to £50,000 over 1 to 10 years, depending on how much you're borrowing.
Make your home your happy place. Apply for a home improvement loan.
You could get your money today if you apply and are approved before 5:45pm, Monday to Friday, excluding bank holidays.
You could borrow up to £50,000 over 1 to 10 years, depending on how much you're borrowing.
This rate is available on loans between £7,500 and £14,950. Other loan amounts are available at alternative rates. Our rates depend on your circumstances, loan amount and term and may differ from the Representative APR.
To apply online, you must be 18+ and a UK resident with an Ulster Bank current account (held for 3+ months).
£7,500
0 months
£137.55
£8,253.00
3.9
3.9
The rate you pay depends on your circumstances, loan amount and term and may differ from the Representative APR. We will never offer you a rate exceeding 29.9% p.a. (fixed), regardless of loan size. This means you're not guaranteed to get the rate you see in the calculator.
1. Get your personalised quote
See if we're likely to say 'yes' before you apply. A quote takes minutes and won't affect your credit score.
2. Complete your application
After you know how much you could borrow, apply in less than 10 minutes – and get an instant decision.
You need:
Yes – and it’s easy to do:
To get our app, you need to be age 11 or over, have a UK mobile number (or international mobile number in some countries) and use a compatible iOS or Android device.
3. Get your cash
You could get your money today. For more info, read 'When can I get my loan?'
You could get your money the same day if:
you apply online.
you've been accepted.
you sign your documents by 5.45pm Monday to Friday (excluding bank holidays).
It might take a bit longer if we need to get in touch with you for more info.
Yes, but you’ll have to pay an early repayment charge (ERC).
The cost of the ERC depends on how long you’ve got left to pay off your loan:
Want an idea of what an ERC could cost?
Let’s say you borrowed £10,000 for 5 years, paying 6.6% interest, and you want to pay off all your loan 2.5 years early. The ERC would be £53.28.
You’d pay the ERC on top of the loan and interest you still owe.
We make it easy to manage your loan, so you're in control:
You'll just need to pay a fee.
Chip away at your balance as and when you can.
Everything you need in one place.
Just give us a call and we’ll update your Direct Debit.
It's easy to manage your home improvement loan
We make it easy to manage your loan, so you're in control:
Please take your time to read this page and decide if a loan is right for you. Unsure? Try our borrowing options tool.
You can use the Banking My Way service to tell us about any additional support or adjustments you might need with your banking.
This information will be shared across the bank, meaning you won’t need to tell us about your requirements every time you interact with us.
As an existing customer, you’ll be able to provide this information online, over the phone, or by visiting a branch.
It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.
Our Representative APR (Annual Percentage Rate) at the top of this page gives you an idea of what interest rate on a home improvement loan from us might be.
The rate is 'representative'. This means at least 51% of successful customers will get a rate the same as, or lower than, the representative APR.
If we offer you a loan, your rate might be higher - it depends on your circumstances and how much you want to borrow.
To find out what interest you'd pay on a home improvement loan from us, use our free personalised quote tool.
If you miss a home improvement loan payment, this could go on your credit file – and stay there for 6 years. This could make it harder for you to borrow during this time.
So, please let us know right away if you’re struggling to pay.
The sooner you tell us, the sooner we can try to help you sort things out.
Please use the ‘Chat to Cora’ button (bottom right of this webpage) and type ‘struggling financially’ to start the conversation. Or in your mobile app, tap ‘Help’ to message us and chat to Cora.
Want free, independent debt advice?
As well as speaking to us – which is important – you might find it helpful to get independent debt advice too.
We recommend PayPlan whose friendly service won’t cost you a penny.
You can call PayPlan on 0800 280 2816 (Relay UK 18001 0800 280 2816).
Prefer to get online advice?
Get free debt advice online from PayPlan.
Struggling financially?
The good news is that checking if you’d get a loan from us won’t affect your credit score. That’s because we do a ‘soft search’, which doesn’t show on your credit file.
If we say, ‘yes’ to your loan and you choose to go ahead, we’ll do a ‘hard search’.
This shows on your credit file and could affect your credit score for a short time.