Large Personal Loan – 5.90% (Typical APR 6.06%)

This loan is available for new loans issued on or before 31st December 2021, and may be withdrawn from availability prior to that date at the sole discretion of FCCU.

  • Minimum Loan €50,000.
  • Maximum loan €80,000.
  • This loan rate is available for all personal or household lending e.g. Home Improvements, Car Purchase, re-finance of performing debt from another institution, etc.
  • This product is NOT available for property purchase.
  • Loan term is the lesser of:
    • 10 years, or
    • The useful life of the expenditure being completed, or
    • The remaining term on finance being switched from another institution
    • The normal retirement age of the borrower
  • Range of repayment methods available.

For a €60,000, 10 year variable interest rate loan, with 120 monthly repayments of €663.17, an interest rate of 5.90%, a representative APR of 6.06%; the total amount payable by the member is €79,577.40. Information correct as at 25/06/2021.

For more information on how to apply call 094 9022969, email loans@fccu.ie or visit any of our branches in Achill, Balla, Ballyhaunis, Castlebar or Swinford. 

 

 


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

Our Personal Loan product is an unsecured variable rate loan, which is based on our assessment of your ability to repay.

This loan product is available for those who wish to finance a range of purposes, such as:

  • Audio visual equipment, home office furniture and equipment, leisure activity items such as bicycles or gym equipment.
  • Holidays, travel or staycations.
  • Family Events, Weddings, Special Occasions or Christmas Expenses.
  • Back to School costs.
  • Medical, Dental, Legal & Funeral Expenses.
  • Car Repairs, Annual Insurance Premia, current year income tax payment or other large household costs.

Personal Loan features:Personal Loan

  • The maximum loan amount is €80,000.
  • The maximum loan term is 10 years. The term we approve will depend on the purpose of the loan. For example, the cost of a family Summer holiday or a Car Insurance premium should be repaid within 12 months.
  • Free Loan Protection Insurance subject to eligibility terms and conditions.
  • This is a variable interest rate, so there is no penalty for early repayment.
  • Loan interest rebate may be payable.
  • Approval typically within 24 hours from when we receive your information.

Apply online below and avail of our eSignature Service. Apply for a loan online 💶 Upload your supporting documents online📄  Digitally sign the loan documents online🖋 We will then issue your loan to an account of your choice 

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.