First Choice Credit Union Personal Loans
Get in touch or apply today. Borrow up to €80,000 from as low as 5.90% (6.06% APR) with flexible repayment terms and free* loan protection insurance.
The amount you can borrow is based on your ability to repay & your credit record. There is no need to have a certain amount held in savings for unsecured loans.
Click the option below which is relevant to you for more information.
5.90% Personal Loan €50,001 - €80,000
Enjoy a super low rate of 5.90% (Typical APR 6.06%) for personal loans greater than €50,000.
- Minimum Loan €50,001.
- Maximum loan €80,000.
- This loan rate is available for all personal or household lending e.g. Home Improvements, VehiclePurchase, re-finance of performing debt from another institution, etc.
- This product is NOT available for property purchase.
- Maximum loan term is 10 years.
- Free loan protection insurance subject to eligibility and terms.
- This is a variable interest rate loan, so there is no penalty for early repayment.
- Approval is typically available within 24 hours from when we receive your information
Apply online below or for more information please call 094 9022969, email loans@fccu.ie or visit any of our branches in Achill, Balla, Ballyhaunis, Castlebar, Kiltimagh or Swinford.
6.90% Personal Loan €25,001 - €50,000
Enjoy a super low rate of 6.90% (Typical APR 7.12%) for personal loans when borrowing between €25,001 – €50,000.
- Minimum Loan €25,001.
- Maximum loan €50,000.
- This loan rate is available for all personal or household lending e.g. Home Improvements, Vehicle Purchase, re-finance of performing debt from another institution, etc.
- This product is NOT available for property purchase.
- Maximum loan term is 10 years.
- Free loan protection insurance subject to eligibility and terms.
- This is a variable interest rate loan, so there is no penalty for early repayment.
- Approval is typically available within 24 hours from when we receive your information.
Apply online below and avail of our eSignature Service. Apply for a loan online 
Take advantage of our Open Banking service or upload your supporting documents online
Digitally sign the loan documents online
We will then issue your loan to an account of your choice
Alternatively, for more information please call 094 9022969, email loans@fccu.ie or visit any of our branches in Achill, Balla, Ballyhaunis, Castlebar, Kiltimagh or Swinford.
8.50% Personal Loan €15,001 - €25,000
Enjoy a discounted loan rate of 8.50% (Typical APR 8.84%) for personal loans when borrowing between €15,001 – €25,000.
- Minimum Loan €15,001.
- Maximum loan €25,000.
- The maximum loan term is 10 years.
- Free Loan Protection Insurance subject to eligibility terms and conditions.
- This is a variable interest rate, so there is no penalty for early repayment.
- 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 Take advantage of our Open Banking service or upload your supporting documents online Digitally sign the loan documents online We will then issue your loan to an account of your choice
Alternatively, for more information please call 094 9022969, email loans@fccu.ie or visit any of our branches in Achill, Balla, Ballyhaunis, Castlebar, Kiltimagh or Swinford.
9.40% Personal Loan €5,001 - €15,000
Enjoy a discounted loan rate of 9.40% (Typical APR 9.82%) for personal loans when borrowing between €5,001 – €15,000.
- Minimum Loan €5,001.
- Maximum loan €15,000.
- The maximum loan term is 10 years.
- Free Loan Protection Insurance subject to eligibility terms and conditions.
- This is a variable interest rate, so there is no penalty for early repayment.
- 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 Take advantage of our Open Banking service or upload your supporting documents online Digitally sign the loan documents online We will then issue your loan to an account of your choice
Alternatively, for more information please call 094 9022969, email loans@fccu.ie or visit any of our branches in Achill, Balla, Ballyhaunis, Castlebar, Kiltimagh or Swinford.
11.95% Personal Loan €100 - €5,000
Our 11.95% Personal Loan up to €5,000 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, clear credit card debt, current year income tax payment or other large household costs.
Personal Loan features:
- The maximum loan amount is €5,000.
- The maximum loan term is 5 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 Take advantage of our Open Banking service or upload your supporting documents online Digitally sign the loan documents online We will then issue your loan to an account of your choice
Alternatively, for more information please call 094 9022969, email loans@fccu.ie or visit any of our branches in Achill, Balla, Ballyhaunis, Castlebar, Kiltimagh or Swinford.
*Terms and conditions apply.
Loans are subject to approval. Terms & Conditions apply.
Warning: 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.