For All The Big & Little Things In Life

A Personal Loan can be taken out for almost any purpose such as holidays, weddings, household goods, or medical or funeral expenses and we can tailor the repayment terms to suit you. With a quick and easy online loan application, you can apply anytime, anywhere.

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What Are The Personal Loans?

Personal Loan

Help spread the cost of your personal needs with a Personal Loan from Affinity Credit Union.

Interest rate 8.99% (9.4% APR*).

Minimum Value €100. Maximum value €75,000.

Minimum Term 3 months. Maximum term 10 years.

Repayments to suit you - Weekly, Fortnightly or Monthly.

Life Loan

To help with those big life changing expenses such as medical bills, we can offer a lower-rate Life Loan.

Interest rate 7.01% (7.24% APR*).

Minimum Value €20,000. Maximum value €75,000.

Minimum Term 3 months. Maximum term 10 years.

Repayments to suit you - Weekly, Fortnightly or Monthly.

First-Time Loan

If it’s your first time borrowing with us, apply for our lower rate First-Time Loan.

Interest rate 6% (6.2% APR*).

Minimum Value €3,000. 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 your 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.

Loan Calculator

We offer low cost loans tailored to suit you.

Select a loan type from the drop down which best suits your borrowing needs.
Maximum Loan Amount :
Maximum Loan Term :


Term

Repayment Frequency
APR*
9.4%
# Repayments
Total
APR*
9.4%
# Repayments
Total
APR*
9.4%
# Repayments
Total
APR*
9.4%
# Repayments
Total

*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 personal loan we will ask for proof of your income and a copy of your bank statements.
After you have submitted your loan application, a copy of these can be uploaded securely through our Document Upload facility in Online Banking or on our Mobile App. Alternatively, you can e-mail supporting documentation to loans@affinitycu.ie

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Proof of Income

Emloyed (PAYE)

- 3 most recent payslips

In receipt of social welfare

- 3 most recent receipt slips from post office or bank statement if lodged directly to bank account

Self Employed

- 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.

NOTE: Additional information may also be required
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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.”

The Benefits Of Borrowing From Us

Take advantage of the low interest rates we offer to our members.

Avail of our free Life Savings and Loan Protections Insurance.

Be part of a member-owned financial services co-operative.

Manage your finances on-the-go with our online services and Mobile App.

Build your credit history as you make loan repayments.

Borrow from your trusted credit union who are here to help.

Loan Repayment Protection (LRP) Insurance

You can now avail of protected lending from Affinity Credit Union. The cover is designed to protect your loan repayments in the event that you are unable to work for more than 30 days as a result of an accident, sickness or involuntary unemployment. Giving you one less thing to worry about.

Loans FAQs

Have a question? Check below to see if it is answered in our Frequently Answered 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!