Personal Loans

For Loans taken out on or before 5 December 2023, your account has now been sold. Your loan has been transferred to either Antelope Loans or Link Financial Outsourcing Ltd as of the 17 May 2025.

You should have received a letter from us telling you who your account has been transferred to.

To contact Antelope Loans about your loan call them on 02920 858793.

To contact Link Financial Outsourcing Ltd about your loan call them on 0330 135 5254.

Contact Us

Older loans (taken out before 5 November 2019)

These loans were given by a company called NIIB Group Limited, trading as Northridge Finance.

Reason for contacting usHow you can get in touchHow to reach us
Ask a question / General enquiriesPhone 0800 917 0923
Talk about money problemsPhone 0800 917 0923
Pay off your loan earlyOnline https://www.northridge365.com/CustomerSettlement/settlement
See how much you need to pay to close your loanOnline https://www.northridge365.com/CustomerSettlement/settlement
Make an extra paymentOnline https://www.northridgefinance.com/customer-tool-kit/make-a-payment/
Pay a missed paymentOnline https://www.northridgefinance.com/customer-tool-kit/make-a-payment/

For these loans, we are available to talk on weekdays from 9am to 5pm. We are closed on Bank Holidays. You can also write to us at the address below.

Northridge Finance
5th Floor
Bank of Ireland
Donegall Square South
Belfast
BT1 5LR

FAQs


Personal Loan Sale

APR Explained


  • What is an APR?

    APR stands for Annual Percentage Rate (APR). It is used to show the overall cost of borrowing the money over a year. It takes into account the annual interest rate, how often interest is charged and any extra fees or costs. The APR makes it easy to compare and shop around.

    The higher the APR, the more money you have to pay back overall.

  • What is a representative APR?

    A representative APR means at least 51% of the people who applied for the loan would get the loan at the advertised representative APR (or an even lower APR). But remember, the actual APR you would have recieved depended on your specific circumstances.

  • What is an Illustrative APR?

    An Illustrative APR was another way to show how much a loan might cost you. The Illustrative APR was the lowest APR available for your chosen loan amount and term. The actual APR you received may have been different as it was based on your personal situation.


Useful Information

Your Bank of Ireland UK loan agreement explained

Your Bank of Ireland UK Loan Agreement follows some important rules to keep you safe.

There are two relevant laws called the Financial Services and Markets Act 2000 and the Consumer Credit Act 1974. These laws help protect you and give you rights.


  • Money Guides

    We want to make sure that managing your money is as simple as possible. That’s why we have written some guides to help you in your everyday life, and when things aren’t going quite as you’d planned.

  • Avoiding Scams

    It’s important to be aware of online scams. People might try to make you take out a personal loan and give them the money.

    It’s important to remember that you should only take a loan for yourself, not for others.

    If someone asks you to take a loan to invest in something or give to someone else, it could be a scam. They might be trying to take advantage of you.

    To protect yourself, there are some websites that can help.

  • High Risk Investments & Gambling

    Be careful with risky investments like cryptocurrencies or stocks. They can make you lose your money.

    Our Personal Loans cannot be used for investing in cryptocurrencies, stocks or similar. This is because their value can change a lot, and people often end up losing their money.

    If you’re having trouble with gambling or trading too much, you can get help from GamCare. They give advice and support to people who are struggling with their money.



  • How credit scoring works

    Credit scoring is a way to measure how risky it would be to give someone a loan. We look at the information you tell us, our rules for lending, and information from other places such as Credit Reference and Fraud Prevention agencies.

    Each piece of information gets a score or number. When we add up all the scores, we get a final number. If the number is high enough, we usually say yes to the loan. If it’s not high enough, we might say no.

  • Why credit scoring is used

    Credit scoring is important because it helps us be fair and make good choices. It’s very important that you do not borrow more money than you really need or overstretch yourself. Anyone who borrows money might be a risk, so we need to understand how big that risk could be. If we decide giving you a loan is too risky, we won’t do it.

  • Getting more information

    Before you try again, it’s good to look at your credit file. The places we check are called Experian Ltd and TransUnion International. We also use CIFAS to check for fraud. You can also find some helpful information at MoneyHelper.


Important Documents