Standard Personal Loan – 11.95% (Typical APR 12.68%)

There are a whole range of reasons why you might want a Personal Loan, for example:

  • Holidays, Family Events, Weddings, Special Occasions,
  • Medical, Dental, Legal & Funeral Expenses,
  • Car Repairs,
  • Annual Insurance Premium, or other large annual costs.

Personal Loan features:Personal Loan

  • Maximum loan € 80,000 (depending on purpose).
  • Flexible loan term – maximum 10 years.
  • Free Life Insurance (Terms and Conditions apply).
  • Range of repayment methods available.
  • No penalty for early repayment.
  • Loan interest rebate may be payable.
  • Approval typically within 24 hours of when we receive your information.

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First Choice Loan – 11.95% (Typical APR 12.68%)

Some regulated money lenders typically charge interest rates at 10 times that of the Credit Union. Our members can use the First Choice Loan to borrow at a reasonable rate for their day to day expenses.

First Choice Loan Features:First Choice Loan

  • The maximum net loan is €1,000.
  • Flexible loan term – maximum 12 months.
  • Free Life Insurance (Terms and Conditions apply).
  • Range of repayment methods available.
  • No penalty for early repayment.
  • Approval typically within 24 hours.

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Home Improvement Loan – From 7.50%* (Typical APR 7.76%)

*Depending on amount borrowed.

For all Home Improvements including extensions, renovations and redecorating.

Home Improvement Loan Product Features:Home Improvement Loan

  • Minimum loan amount €5,000
  • Maximum loan amount €80,000
  • Loan term up to 10 years.
  • Free Life Insurance (Terms and Conditions apply)
  • Range of repayment methods available.
  • No penalty for early repayment.
  • Approval typically within 24 hours of when we receive your information.

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Car Loan – 8.50% (Typical APR 8.87%)

Drive the best deal with a Car loan from First Choice Credit Union.

Car Loan Features:Car Loan

  • Available for new or used motorised vehicles (i.e. cars, vans, motorbikes, jeeps, camper vans etc).
  • Max loan term 5 years.
  • Minimum loan €5,000
  • Maximum Loan €60,000
  • Free Life Insurance (Terms and Conditions apply).
  • Range of repayment methods available.
  • No penalty for early repayment.
  • Approval typically within 24 hours of when we receive your information.

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Commercial and Agri Loan – From 8.50% (APR 8.87%) to 11.95% (APR 12.68%)

The success of your business is as important to us as it is to you. Local business provides local employment which is good for everyone in the community. From small start-ups to expanding operations, we’ll help to support you every step of the way. With your Credit Union, you’ll have a trusted partner who’s always looking out for your best interests.

Commercial and Agri Loan Product Features:

  • Minimum loan amount €5,000
  • Maximum loan amount €80,000 (depending on purpose).
  • Maximum loan term of 10 years.
  • Free Life Insurance (Terms and Conditions apply).
  • Range of repayment methods available.
  • No penalty for early repayment.

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Consolidation Loan – 11.95% (Typical APR 12.68%)

Too many repayments to make each month? Our consolidation loan can help ease the burden of those monthly bills by consolidating them into one easy payment. Simply talk to us today for further details.

Consolidation Loan Product Features:Consolidation Loan

  • Minimum Loan €1,000
  • Maximum loan €80,000.
  • Flexible loan term – maximum 60 months.
  • Free Life Insurance (Terms and Conditions apply).
  • Range of repayment methods available.
  • Approval typically within 24 hours.
  • No penalty for early repayment

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Student Loan – 6.50% (Typical APR 6.71%)

Our Student Loan rate is available for:

  • Full Time, Post Graduate or Masters courses
  • College FeesFirst Choice Credit Union Student Loan
  • Accommodation or Rent
  • Mature students returning to college

Student Loan Product Features:

  • Minimum Loan €1,000.
  • Maximum loan €20,000.
  • Flexible loan term – maximum 60 months.
  • Free Life Insurance (Terms and Conditions apply).
  • Range of repayment methods available.
  • Approval typically within 24 hours.
  • No penalty for early repayment.

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Share Secured Loan – 6.50% (Typical APR 6.70%)

Our Share Secured Loan is available to members who wish to borrow up to the amount held in their savings.

Share Secured Loan Product Features:

  • Maximum loan amount €80,000 (or the amount held in savings, whichever is the lesser).
  • Maximum loan term 60 months.
  • No proof of income is required.
  • Range of repayment methods available.
  • No penalty for early repayment.
  • Instant approval.
  • Free Life Insurance (Terms and Conditions apply).

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House Loan – 5.50% (Typical APR 5.64%)

Buying a home is a big step. Your Credit Union is here to help you on your way. Whether it’s your first home, or a subsequent home we are here to CU home.

Our House Loan is only available for members to purchase, construct or significantly renovate their own principle private residence.

House Loan Product Features:Mortgage

  • Minimum loan amount €50,000
  • Maximum loan amount €120,000
  • Maximum loan term 20 years
  • Free Life Insurance (Terms and Conditions apply).
  • Range of repayment methods available.
  • No penalty for early repayment.
  • Maximum Loan to Value for first time buyers is 90%, and for non-first time buyers is 80%.
  • Maximum loan is the lesser of 3.5 times gross annual income, or €120k.
  • A first legal charge is required.

Other House Loan Options:

We also offer Site Purchase loans and Switcher Mortgage options.

How to Apply:

Because of the typical transaction size, we are available by appointment to meet you to discuss your House Loan proposal.

Simply contact one of our offices at (094) 90 22969, or e-mail us at loans@fccu.ie, so that we might arrange a suitable time and date with you.

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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 application stage.

Call us on 094 9022969 (Dial 2) for the details of the documents required or click on the following: Supporting Documentation Download PDF (PDF to Loan Application Supporting Documentation).

Financial Help – Difficulties with Loan Repayments

If you are in financial difficulty meeting your loan repayments, we have a team dedicated to Credit Control to help you.

If your circumstances have changed, we can work together to help you manage your debts.

If you are in financial difficulty: Contact our Credit Control team on Tel: 094 9022969 (Dial 3) Email: creditcontrol@fccu.ie

By contacting First Choice Credit Union early and explaining why you are in financial difficulty, we will be in a much better position to assess the situation.

We can then offer you some guidance and assistance.

Loans are subject to approval. Terms & Conditions apply. 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.