Our Loans
From everyday expenses to bigger plans, we have a loan to suit your needs.
Personal Loans
Whatever life throws at you. Borrow from €100 to €75,000 with competitive rates from 6.2% to 9.4% APR.
Auto Loan
Whether it’s your first car or an upgrade, our Auto Loan can get you behind the wheel. Going electric, ask about our EV Loan from 3.95% APR.
Business Loans
Big plans for your business? Get the finance you need to start, grow or invest, with rates from 5.8% APR.
Student Loan
The new school year starts here. From school essentials to college costs, borrow from €500 at 6.5% APR.
Switch & Save Loan
One loan one repayment. Bring your loans together and make managing your repayments easier.
Our Loans Policy
Our approach to lending
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.
Questions? We can help.
Find answers to our most frequently asked questions below.
Borrow from €100 up to €75,000 with an unsecured loan.
The amount you can borrow depends on what you can comfortably afford to repay, based on your income, expenditure and credit history.
Once you have the minimum €10 share balance, you can apply for a loan.
Depending on your application, our lending team may ask you to build up additional savings to be held as security against your loan. As a guide, this may be 2–5% of the amount borrowed.
Yes. You don't need to finish your existing loan first. Our top-up facility allows you to apply for additional borrowing while you still have an outstanding loan.
This depends on the amount and purpose of your loan. You’ll need to provide proof of income, such as:
- Payslips
- Social welfare income documentation
- Proof of self-employed income
We may also ask for bank statements or other supporting documents depending on your application.
Check the individual loan page for specific requirements.
Our centralised lending team processes loan applications daily, helping you get a decision as quickly as possible.
You can also use Open Banking to securely share your financial information, which can make providing the information we need quicker and easier.
Once we have everything required, we'll process your application as soon as possible.
We’re here to make financial services simple, accessible and easy to understand, helping our members make confident financial decisions.
