Personal Loan

Making your dreams a reallity

Whether you're changing the car, planning your wedding or the holiday of your dreams, even the smaller things that make a difference, we are here to help. Unsecured personal loans are available up to €75,000 over a 10 year term.

Loan Application Process

Easy & Quick 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.



Become a Member

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



Calculate your Loan

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



Apply for Loan Online

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



Sit back and relax!

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

Funding your dreams

  • With flexible repayment options and no hidden charges or penalties, if you pay back early, our loan options are as unique as you are.
  • You can apply for a loan online, by phone or in person at one of our branches.
  • We are in the business of funding dreams, so talk to us today!

Loan Calculator / Loan Enquiry

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

Personal Loan < €8,000
Maximum Loan Amount :
Maximum Loan Term :


Repayment Frequency

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


Interest Rate - APR


Loan Term

12 months

Total interest


Monthly repayment


Total cost of credit


Ready to apply?

Documents required when applying for a loan



3 Recent Payslips

Self Employed

Self Employed

Set of Accounts

Social welfare

Social welfare

Payment receipts

Access Credit Union Personal Loan FAQs

Here you can see a list of our most Frequently Asked Questions about Personal Loans.

Can I get a personal loan with bad credit or no credit history?
Credit unions' low financing rates, fees and member-focused services make them an attractive option for anyone. Their flexible lending terms and tools for building credit make them an especially good option for borrowers with fair to poor credit.
If you have no credit history, you will need to provide some basic information to apply for a loan from Access Credit Union, including proof of income and outgoing, so the application can be appropriately assessed.
Can I get an unsecured personal loan?

You can borrow up to €75,000 unsecured for all your personal needs from Access Credit Union.

Personal loans can be used for various purposes, including Cars, Home Improvements, Holidays, Christmas, Home Repairs,  Car Repairs, Insurance, Rental Deposits, Electronics and much more.