Switcher Loan – from 5.90% (Typical APR 6.06%)

If you have an existing personal loan with a bank or other lender and wish to avail of a lower rate apply today. By switching your loan to First Choice Credit Union, you can avail of our Switcher Loan from as low as 5.90% (6.06% APR).

For Switcher Loan amounts between:

€5,000 – 25,000; Interest rate of 7.50% (7.76% APR)

€25,001 – €50,000; Interest rate of 6.90% (7.12% APR)

€50,001 – €80,000; Interest rate of  5.90% (6.06% APR)

For amounts between €25,001 – €50,000 and €50,001 – €80,000, please go to our Personal Loan webpage by clicking the following link: Personal Loan Webpage

If you’re not already a member, you can join here and apply for your Switcher Loan straight away.

The amount you can borrow is based on your repayment ability, not the amount of savings you have. For security and peace of mind we also provide FREE Loan Protection Insurance*.

  • Minimum Loan amount €5,000.
  • Maximum Loan amount €80,000.
  • Maximum Loan term 10 years, depending on the amount borrowed.
  • The product is available for existing borrowings with another institution only, evidenced up front by way of statement or balance confirmation from the other institution.
  • The product is not available for the purpose of re-financing existing First Choice Credit Union debt.
  • Range of repayment methods available.

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. 

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 

*Terms and conditions apply.

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.