HSE Cross Border Directive Loan

The HSE Cross Border Directive loan is designed to assist members where they are on HSE waiting lists for surgery but can avail of the same surgery within the EU.

How does it work?

  • You apply for the loan with People First Credit Union and pay for the surgery using the funds.
  • After 12-14 weeks, the HSE will refund the cost of the surgery and you use these funds to repay and clear your loan with PFCU.
  • A company called Surgery Now or the HSE directly assist members in organising a hospital and surgery. PFCU do not have anything to do with this end.

PLEASE NOTE: You will have to make capital and interest payments on the loan until the loan is fully repaid. A loan officer will be able to explain this to you.

We make loans easy to apply for!

Apply online

Our easy online process takes you through the whole application.


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Come and chat with one of our financial advisors in any of our branches.

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Call our lending team to arrange an application.


HSE Cross Border Directive Loan
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*Examples and calculators provided are for illustrative purposes only, to give you, the borrower, an overview of the potential cost of borrowing. The Credit Union, or any of its staff, cannot be held responsible for any errors. Please note that this calculator and example only provide an indicative quote and actual repayments may vary

Loans are subject to approval. Lending criteria, terms & conditions apply.

Warning: 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.

Warning: For variable rate loans, the cost of your monthly repayments may increase.

Whilst every care has been made in the production of this information, it is for illustrative purposes only and to give you an overview of the potential cost of borrowing at People First Credit Union. It does not constitute a loan offer. People First Credit Union or its staff cannot be held responsible for any errors or omissions.

Membership has many benefits...

Flexible & Convenient Loans

Members can take out flexible loans immediately after joining, and repay at tailor-made schedules. Subject to criteria, all of our loans are fully insured (for free), against disability or death.

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Our members have the option of registering for online banking, allowing you to transfer funds, pay bills, apply for our services and much more.

Quality Service from local staff with No Fees

You can be assured of a professional service from Credit Union at all times. Our phone lines are open Monday to Saturday for your convenience. You do not pay a transaction fee for saving with us, or borrowing money.

Automated transactions

As well as transacting at the counter, members can pay in to their account by direct debit, standing order and credit transfer or by making a debit card payment through online banking.

If you have any questions, our Member Services Centre will be happy to help.

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