Share Secured Loan
Share-Secured Loan is a cost-effective way to access funds.
So if you don't want to dip into your savings but need to make a necessary purchase or if you are considering giving your family a well-deserved treat you can now make your savings work for you with a credit union share-secured loan.
Use Your Savings as Collateral for Cheaper Rates
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.
Share-Secured Loan Calculator / Loan Enquiry
Find a Share Secured Loan with a rate that suits you and apply today or submit an enquiry below!
Maximum Loan Term :
11.56%
11.56%
11.56%
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.
Our Benefits
The benefits of a Share-Secured Loan 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 Share-Secured Loan of a specific amount created on 01 October 2022.
Loan amount
€10,000
Interest rate - APR
5.31%
Loan term
12 months
Total cost of credit
€274
Monthly repayment
€856
Total cost of credit
€10,274
Ready to apply?
Documents required when applying for a loan
Employed
3 Recent Payslips
Self Employed
Set of Accounts
Social welfare
Payment receipts
