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 switcher loan rate apply today. By switching your loan to First Choice Credit Union, you can avail of our Personal Loan rates from as low as 5.90% (6.06% APR).
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. Note: If you are applying online, please select the personal loan option for the amount you wish to apply for.
5.90% Personal Loan €50,001 - €80,000
Enjoy a super low personal loan rate of 5.90% (Typical APR 6.06%) when switching performing debt of amounts from €50,001 – €80,000.
- Minimum Loan €50,001.
- Maximum loan €80,000.
- This loan rate is available for re-finance of performing debt from another institution.
- This product is NOT available for property purchase, or re-financing existing borrowings with First Choice Credit Union.
- Maximum loan term is 10 years.
- Free loan protection insurance subject to eligibility and terms.
- This is a variable interest rate, so there is no penalty for early repayment.
- Range of repayment methods available.
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 personal loan rate of 6.90% (Typical APR 7.12%) when switching performing debt of amounts from €25,001 – €50,000.
- Minimum Loan €25,001.
- Maximum loan €50,000.
- This loan rate is available for the re-finance of performing debt from another institution.
- This product is NOT available for property purchase, or re-financing existing borrowings with First Choice Credit Union.
- Maximum loan term is 10 years.
- Free loan protection insurance subject to eligibility and terms.
- This is a variable interest rate, so there is no penalty for early repayment.
- Range of repayment methods available.
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 personal loan rate of 8.50% (Typical APR 8.84%) when switching performing debt of amounts from €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 product is not available for re-financing existing borrowings with First Choice Credit Union.
- 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 personal loan rate of 9.40% (Typical APR 9.82%) when switching performing debt of amounts from €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 product is not available for re-financing existing borrowings with First Choice Credit Union.
- 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 €0 - €5,000
Our 11.95% Personal Loan product up to €5,000 is an unsecured variable rate loan, which is available for switching performing debt of amounts up to €5,000.
Personal Loan features:
- The maximum loan term is 5 years.
- Free Loan Protection Insurance subject to eligibility terms and conditions.
- This product is not available for re-financing existing borrowings with First Choice Credit Union.
- 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.
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.