Credit Union (Payday Loan)
Credit Union offer loans from 1, 3 or 5 years in duration. From time to time individual credit unions will offer special loan rates so it is beneficial to check in with your local credit union regularly. A credit union is a group of people who save together and lend to each other at a fair and reasonable rate of interest. Credit unions offer members the chance to have control over their own finances by making their own savings work for them. The Credit Union is not a payday loan but it is a good alternative to payday loans in Ireland.
Location: Ireland
Lender/Broker: Lender
1. There are no hidden fees or transaction charges.
2. Credit union interest rates are fair and reasonable and capped by law.
3. Repayments are calculated on your reducing balance, so you pay less interest with each repayment.
4. Once you are eligible for a credit union loan, repayment terms can be designed around your needs.
5. Your credit union loan is insured - subject to terms and conditions - at no direct cost to you. Other lenders charge for this. Click here for more information.
6. You can pay off your loan early, make additional lump sum repayments or increase your regular repayments, without a penalty. Other lenders may charge you extra for paying them back faster.
1. You must be within the common bond of the credit union.
2. Depending on the rules of your credit union, to be a member there will be an entrance fee of not more than 1/1stg and you will need to hold a minimum savings of between one and ten shares.
When you become a member and start saving with your credit union you will have access to fair and reasonable rates on savings and loans

APR: VariesLoan Amount: Varies
Min Term: VariesMax Term: Varies

Secured Loan: NoUnsecured Loan: Yes

Representative Example:
Your local credit union can give you details of current interest rates
Terms and Conditions:
Joining a credit union is easy once you are within the common bond of the credit union.
When applying for membership you will be asked for proof of ID and proof of address, for example a current passport and recent utility bill.
Credit unions are owned by all their members. One Member One Vote.
Additional lump sum repayments are accepted with no penalty.

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