First Time Borrower

First time borrowing? No problem

First time borrows can apply for a loan for whatever you are planning in the future. You can turn your plans into reality with a first loan.

Simple Application Process

Loans are subject to approval. Terms and conditions apply. If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, limiting your ability to access credit in the future.

Step

1

Become a Member

Once you are living or working within our common bond you are eligible to join us today and start borrowing.

Step

2

Calculate your Loan

Estimate how much you could borrow and calculate your repayments: weekly, fortnightly or monthly using our online calculator.

Step

3

Apply for Loan Online

Apply for your loan from the comfort of your home. Applying for a loan is easy and quick. Apply now!

Step

4

Sit back and relax!

The decisions are made quickly on loan applications and, if is approved, the funds are issued within 48 hours.

Supporting Documentation

It is our aim to provide an efficient and professional service to members and to ensure a speedy application process. We encourage members to have supporting documentation ready at the application stage. Call the office at 028 - 21883 for the details of the documents required

Loan Calculator / Loan Enquiry

Find a loan with a rate that suits you and apply today or submit an enquiry below!

1st Credit Union Loan
Maximum Loan Amount :
Maximum Loan Term :

€

Term

Repayment Frequency
€
APR
8.37%
Repayments
Total
Apply for Loan
€
APR
8.37%
Repayments
Total
Apply for Loan
€
APR
8.37%
Repayments
Total
Apply for Loan
€
APR
8.37%
Repayments
Total
Apply for Loan

This calculator is for illustrative purposes only, to give you, the borrower, an overview of the potential cost of borrowing. The Credit Union, or any of its staff, cannot be held responsible for any errors. Please note that this calculator only provides an indicative quote and actual repayments may vary.

Please Note You must either live or work in our common bond area to avail of these loans.

Our Benefits

The benefits of borrowing from Access Credit Union

Easy application process online, by phone or in branch

Flexible loan repayment terms are available to suit your needs

There are no penalties for repaying your loan back early

Extremely competitive interest rates

No hidden fees or charges,
fast & local decisions

Peace of mind with loan protection insurance

Representative example

For your convenience, below is an illustrative example of the costs associated with a loan of a specific amount created on 01 October 2022.

Loan amount

€5,000

Interest rate - APR

8.37%

Loan term

12 months

Total interest

€220

Monthly repayment

€435

Total cost of credit

€5,220

Ready to apply?

Documents required when applying for a loan

Employed

Employed

3 Recent Payslips

Self Employed

Self Employed

Set of Accounts

Social welfare

Social welfare

Payment receipts