Northern Bank Fixed Rate Personal Loan

Good:
Money is paid out quickly if you apply in a branch

Bad:
A guarantee and indemnity may be required, which may incur a fee

Verdict:
You don't need to have a Northern Bank account to apply - higher interest rate than Bank of Ireland but the charges are less and their customer service is very helpful

With a Northern Bank Fixed Rate Personal Loan you can borrow anything between £1,000 and £25,000 for almost any purpose. You can pay the loan over 5 years. The money is transferred directly into your Northern Bank Personal Current Account. You must have a Northern Bank current account to apply for this loan - if you don't at the moment, they can help you open one just to apply for the loan. You may need to provide a guarantee and indemnity to be able to get the loan but they will notify you this after you have completed your application.

You can arrange an appointment online to see one of their employees to talk about your application or you can apply over the phone. If you apply in one of their branches, you can get the loan within 24-48 hours. If you apply over the phone, it can take up to 5 working days for the money to transfer.