Loans
Simple lending designed around your needs
Whether you're planning a major purchase, improving your home, buying a car, or dealing with unexpected expenses - we're here to help with affordable borrowing and local, personal service.
Why borrow from the credit union?
Credit unions were created to provide fair, accessible credit to their local members, and that focus hasn’t changed. Decisions are made locally, with members in mind, supporting borrowing that is straightforward, responsible, and built to suit real-life needs.
🤝 Flexible repayment terms
Set your repayments to suit how you’re paid, whether that’s weekly, fortnightly, or monthly.
💫 No early repayment fees
Have the freedom to make extra payments or clear your loan early with no penalties or transaction fees.
🌱 Supported by a local team
All applications are assessed locally by experienced staff who understand our local community.
🛡️ Loan Protection Insurance
Subject to criteria, rest assured that your loan will be taken care of upon death or disability.
Find the right loan
Your loan journey, in three simple steps
Calculate your repayments
Maximum Loan Term :
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. If you do not meet the repayments on your loan, your account will go into arrears and this may affect your credit rating which may limit your ability to access credit in the future.
Not ready to apply just yet?
Frequently Asked Questions
We offer a variety of loans at competitive interest rates.
- Personal Loans
- Car Loans
- Home Improvement Loans
- Student Loans
- Wedding Loans
- Holiday Loans
- Christmas Loans
- Business Loans
- Agri Loans
- Mortgages
Click here for more information about our loan products.
We want your loan application process to be as simple as possible. There are four ways to apply for a loan.
- Apply through our mobile app
- Apply through our website
- Apply over the phone
- Apply in any of our branches (no appointment needed)
Click here to get started.
Right away!
Once you have €20 in your shares, you can apply for a loan.
Yes. Call us on 0578622594 and ask to make a loan application – you will be transferred to the loan team who will get your application started.
No, you don't need to make an appointment for a loan application!
Our four branches have full-time lenders available to speak with. Loan office opening hours are slightly different from the office hours, see here for more information.
Yes.
The loan officer will assess the application in the same way as a new loan application. There are limits on how many top-ups you can receive in a specific time period, and the lender will advise you if we are unable to approve your top-up loan application due to these limits.
Yes. You can pay your loan early with no penalties or fees.
Every loan application is assessed carefully and fairly. Our goal is to lend responsibly and to ensure that repayments are affordable for you. When reviewing your application, we look at:
- Repayment capacity: We consider your income and expenses to make sure the loan can be comfortably repaid.
- Credit history: We may use the Central Credit Register to review your history on loans you’ve taken with other financial institutions.
- Savings and account activity: Your relationship with the credit union, including savings history, can help us understand your financial habits.
- Purpose of the loan: Understanding what the loan is for helps us tailor the product to your needs.
We assess each application individually, not by automated scoring alone. Our focus is on supporting members while ensuring loans are granted in a sustainable way.
There are no penalties for early repayment, and we encourage members to talk to us if their circumstances change. This approach ensures we lend in a way that is fair, transparent, and aligned with our members’ best interests.
People First Credit Union is regulated by the Central Bank of Ireland.
Lending criteria, terms and conditions apply. Applicants must be over 18 and resident in the Republic of Ireland. Loan approval is subject to a satisfactory assessment of suitability and affordability.
Representative Example: If you borrow a personal loan of €5,000 over 4 years (48 months), the interest rate is 8.99% per annum (9.2% Representative APR), your monthly repayment would be €124, and the total amount repayable would be €5,972.
| WARNING: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit report, which may limit your ability to access credit, a hire-purchase agreement, a consumer-hire agreement or a BNPL-agreement in the future. |
