We Have A Loan For You

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Our Loans

Discover the advantage of a low-cost, flexible loan from Affinity Credit Union

Personal Loans

Personal Loans

For all the big and little things in life. Borrow €100 to €75,000 at rates from 6.2% to 9.4%APR.

Auto Loan

Auto Loan

Whether you are buying your first car or upgrading the family car, own you car from the start with a Auto Loan from Affinity.

Business Loans

Business Loans

Borrowing for a business venture? We can offer an efficient business loan service with competitive rates from 5.8%APR.

Student Loan

Student Loan

Back to School or Off to College? Spread the cost and borrow from €500 at 6.5% APR.

Home Renovation Loan

Home Renovation Loan

Thinking of doing up the house? Borrow from €5,000 at 7.3%APR.

ECO & Green Loans

ECO & Green Loans

Making some eco-friendly upgrades in your life? Enjoy some of the lowest rates on the market from 3.95% to 6%APR.

Covered Loans

Covered Loans

Keep your hard earned savings intact. Borrow up to the amount you have in your shares at our lowest rates, from 3.9% APR.

Switch & Save Loan

Switch & Save Loan

If you would like to consolidate multiple loans into one easy to manage loan with one repayment, then this may be the loan for you.

Promotional Loans

Our loan offers vary from time to time. Keep up with us on Social Media to know first and avoid missing out.

Our Loans Policy

Credit - it's our middle name

It is our policy to ensure that our members have access to credit for productive purposes to enable them to enhance their lives. At the same time Affinity Credit Union has a duty to safeguard the assets of the Credit Union and equally a duty of care to our members to ensure that they do not become over-indebted. Our professional and experienced lending team will help you structure loans around your needs and your ability to repay.

Member Testimonials

“I was trilled with the process! Amazed at how quickly the loan was approved and funds were in my bank account. Fully satisfied with the process from start to finish.”

“The online application with e-signature was ideal, I didn't even leave the house! It was so easy and straightforward and the loans officer was so helpful, keeping me updated as to the docume...”

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“I thought it was very very quick and very very straighforward. It was exactly what you would want. Nothing seemed too awkward and anytime I had a question, I had an answer straight away. The...”

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“We were delighted to be able to avail of a covered loan and keep our savings intact. The whole process was efficient and everything was explained thoroughly in detail.”

Why Take A Loan With Us

Discover the Benefits of an Affinity Credit Union Loan

Take advantage of our low interest rates.

Avail of our Loan Protection Benefit.

Build your credit history with repayments.

Avoid any unnecessary hidden fees.

Apply with ease online or in branch.

Borrow from your trusted credit union.

Not a Member? No problem

There is no waiting period, new members can apply for a loan straight away. Become a member today to avail of the many great loans and services we offer at Affinity Credit Union.

Loans FAQs

Have a question? Check below to see if it is answered in our Frequently Asked Questions.

How much can I borrow?

You can apply to borrow as much or as little as you need. The maximum unsecured loan Affinity Credit Union will lend to a single borrower is €75,000 and the minimum amount is €100. All loan decisions are based upon affordability, taking into account your income and expenditure, and your credit history.

How much savings do I need to have in my account before I can apply for a loan?

Once you have the minimum €10 balance in your shares, you can apply for a loan. When the loan is being assessed, the loans officer may ask you to lodge additional funds into your shares account to be held as collateral against the loan. As a guideline, this may be between 2-5% of the loan amount requested.

I have an existing loan; can I apply for another loan?

Yes, there is no need to wait until your existing loan is completed. Our top-up facility allows members to apply for a new loan while having an existing loan balance.

What supporting documentation will I need when applying?

This varies depending on the loan amount requested and the purpose of the loan. With all loan applications, we will ask for proof of your income. This would usually be in the form of payslips, proof of social welfare income (copy of post office receipt or bank statements showing lodgements) or proof of self-employed income. Bank statements and other supporting documentation may also be requested. Details can be found on the individual loan pages.

How long will my application process take?

Our centralised lending department is optimised for quick loan decisions. Loans are approved daily. Once we have received all required supporting documentation, we will process your application as quick as possible. The sooner we receive your documentation, the quicker we can approve your loan application!

We are dedicated to promoting financial well-being and financial inclusion in our communities by offering simple, easy to access financial services.

Financial Difficulties?

We're here to help. If you are experiencing financial difficulty with your loan repayments get in touch today to speak with us.