Get your home and garden summer ready
For a limited time only, borrow at our discounted rate of 5.95%APR. The L.O. Home and Garden Loan rate is available until 30/06/2023.
Apply online today.Apply now
What Is The L.O. Home and Garden Loan?
L.O. Home and Garden Loan (Limited Offer)
This is a limited offer, discounted home renovations loan rate. It may be for a kitchen or bathroom that needs renovating - new flooring, new windows, or a fresh lick of paint. Or perhaps your garden needs some love - new garden furniture, a barbeque, a patio or decking. Our members can enjoy this discounted rate until 30/06/2023.
Interest rate 5.79% (5.95% APR*).
Minimum Value €2,000. Maximum value €75,000.
Minimum Term 3 months. Maximum term 10 years.
Repayments to suit you - Weekly, Fortnightly or Monthly.
Loan Application Process
We're here to help with your application from start to finish.
Become a Member
If you’re not already a member, join today. New members can apply for a loan straight away.
Calculate Your Loan
Use our handy online loan calculator to see the repayment amount and total cost for the loan you require.
Apply For A Loan Online
It’s easy. Complete your application anywhere, anytime and upload your supporting documentation through the app or online.
Sit Back And Relax
That’s it, you’re done. As simple as that! Our lending team will review and will be in touch shortly. Keep an eye out on your phone over the next couple of days, our calls will come from an 062 number.
We offer low cost loans tailored to suit you.
Maximum Loan Term :
*APR = Annual Percentage Rate. Whilst every care has been made in the production of this web page, Affinity Credit Union, or any of its staff, cannot be held responsible for any omissions, errors or other mistakes made. This web page is for illustrative purposes only, so as to give you, the borrower, an overview of the potential cost of borrowing. Loans are subject to approval. Terms and 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.
The Supporting Documentation Required
To apply for a home renovation loan we will ask for proof of your income and a copy of your bank statements.
Submit your bank statements simply and securely by selecting 'Connect Accounts' and upload proof of your income using the Document Upload facility in Online Banking or on our Mobile App. Alternatively, you can e-mail supporting documentation to email@example.comApply Now
Proof of Income
- 3 most recent payslips
In receipt of social welfare
- 3 most recent receipt slips from the post office or bank statement if your payment is lodged directly to your bank account
- 3 most recent years sets of accounts
- A form 11 for each of those years
- Confirmation of tax position
- 6 months up-to-date bank statements from business a/c(s)
Bank Statements (must be up-to-date)
For loan applications that result in an exposure of more than €2,000, a 3 month personal bank statement for each current account operated in your name is required.
NEW: When applying online or on the mobile app, simply select 'Connect Accounts' to submit your bank statements. This enables the loans officer to view your bank statements instantly, thus reducing the wait time for your loan application to be assessed
NOTE: Additional information may also be requiredApply Now
“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.”
The Benefits Of Borrowing From Us
Take advantage of the low interest rates we offer to our members.
No hidden fees, balloon payment or deposit required.
Build your credit history as you make loan repayments.
You can prepay and overpay without penalty
We operate a free-to-member Life Insurance scheme covering our member’s loan balances.
Borrow from your local trusted Credit Union who are here to help.
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!