Loans

Find the Perfect Loan for You

Try out our quick and easy loan calculator below

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Find your dream home with a competitive mortgage from People First Credit Union. Benefit from professional, friendly service as our dedicated advisor guides you every step of the way. Unlock your home's potential with us today!

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This calculator is for illustrative purposes only, to give you, the borrower, an overview of the potential cost of borrowing. Whilst every care has been made in the production of information, People First Credit Union, or any of its staff, cannot be held responsible for any errors. This calculator only provides an indicative quote and actual repayments may vary. Loans are subject to approval, terms and conditions apply. This is a variable rate loan: The payment rates on this home loan may be adjusted from time to time. Warning – Your home is at risk if you do not keep up repayments on a mortgage or any other loan secured on it. If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.

Loans Page Borrowing

Loans Page Borrowing

Borrowing with People First CU

  • Once you have an active membership with People First CU, you are eligible to apply for a loan with us.
  • Our loan assessments are not based on share values - you can apply for any loan amount with just €20 in your shares.
  • Top Up loans or Second loans are available to all members
  • All loans are individually assessed based on members ability to repay.

Benefits of a Loan with People First CU

  • Apply online, in person, over the phone, or on our app.
  • Extremely Competitive Interest Rates
  • Flexible loan repayment terms are available to suit your needs
  • No hidden fees or charges and no penalties for repaying early
  • Free Loan Protection Insurance - subject to criteria
Loans Page Benefits

Loans Page Benefits

Applying for a Loan

Applying for a loan is easy. Decisions are made quickly on loan applications.

You can apply for a loan online, in our offices, by phone or on our mobile app. Click below to apply today.

We’ll be delighted to help you with your loan application.

Please note: You’ll need to provide 3 months' up-to-date bank statements and two recent payslips with your loan application, you will also need to have your account updated with current ID and proof of address.

Loan officers may request additional documentation depending on the loan amount and purpose.

Apply Online

 

Student Loan

Student Loan

6.5% (APR 6.7%)
Personal Loan

Personal Loan

8.99% (APR 9.2%)
Loan within Shares

Loan within Shares

5.49% (APR 5.63%)
Agri Loan

Agri Loan

6.55% (APR 6.75%)
Business Loan

Business Loan

6.75% APR
Home Improvement Loan

Home Improvement Loan

8.99% (APR 9.2%)
Car Loan

Car Loan

8.99% (APR 9.2%)
Debt Consolidation Loan

Debt Consolidation Loan

10% (10.51% APR)
Monster Home Loan (over €30k)

Monster Home Loan (over €30k)

6.99% (7.2% APR)
Monster Car Loan (over €25K)

Monster Car Loan (over €25K)

6.99% (7.2% APR)
Mortgage

Mortgage

4.59% APR (up to €100k) / 3.56% APR (to €200k)
Buy Now, Pay Later Loan

Buy Now, Pay Later Loan

8.99% (9.2% APR)