Discover the advantage of a low-cost, flexible loan from Affinity Credit Union
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.
“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...”Read more
“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...”Read more
“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.”
Have a question? Check below to see if it is answered in our Frequently Answered Questions.
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.
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.
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.
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.
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.