- Loan Amount € 1000
- New Monthly Payment €---
- Loan Term 1 Years
- Total Repayments €---
- Total Cost of Credit 1 Years
*APR = Annual Percentage Rate
Car Loan
New car? Used car? Get the car you want!
CAR LOAN
Own your car straight away - no balloon payments, no mileage restrictions!
Calculator is based on our current lending rates and is only intended as an indication of payments. Lending is subject to a credit assessment. Terms & Conditions Apply
HOME LOAN
Make your house the home you've always wanted, with our low cost Home Improvement loan over €10,000
Calculator is based on our current lending rates and is only intended as an indication of payments. Lending is subject to a credit assessment. Terms & Conditions Apply
PERSONAL LOAN
A loan for the things that matter most to you - now that's personal!
Calculator is based on our current lending rates and is only intended as an indication of payments. Lending is subject to a credit assessment. Terms & Conditions Apply
SWITCHER LOAN
Move multiple loans to us for one more manageable monthly payment
Calculator is based on our current lending rates and is only intended as an indication of payments. Lending is subject to a credit assessment. Terms & Conditions Apply
SECURED LOAN
Up to 60% loan to value, with payment term up to 20 years
Calculator is based on our current lending rates and is only intended as an indication of payments. Lending is subject to a credit assessment. Terms & Conditions Apply
STUDENT LOAN
Let us take the stress out of college with a low rate Student loan.
Calculator is based on our current lending rates and is only intended as an indication of payments. Lending is subject to a credit assessment. Terms & Conditions Apply
How Our Car Loans Compare
Check out how we compare to the competition on a car loan. Pretty good really! For a 5-year car loan of €18,000.
Life Credit Union
€367monthly
€22,026 total
APR 8.57%
Permanent TSB
€382 monthly
€22,894 total
APR 10.4%
Bank Of Ireland
€401 monthly
€24,081 total
APR 12.8%
Information correct as at 19/09/2016. Whilst every care has been made in the production of this information,
it is for illustrative purposes only and to give you an overview of the potential cost of borrowing at Life Credit Union.
Loans are subject to approval. Terms and Conditions apply. For more information contact us on 045 879 622.
WHY A CAR LOAN WITH US
- Applying is fast and easy
- Approval in two business days
- Flexible payment terms to suit you
- Unlike the banks or dealers we wont charge you if you repay early
- No fees or charges – nothing, zilch, zero
- With a loan from us you own your car straight away (unlike with a PCP loan!)
How To Apply
We try making it as easy as possible for you to apply. We don’t want you to stress or worry, so, you have a choice in how to apply for your loan. First of all, you need to be a member of the credit union. Join the club!
Online
Members are encouraged to sign up for our CU Online facility, which enables you to carry out a range of online banking services. It also allows members to apply for a loan online.
In Branch
You can come in to any of our branches at anytime to apply for a loan, there’s no need to make an appointment. One of our dedicated Lending team will talk you through the application in complete privacy in one of our lending offices.
Download Application
Simply download the application form, fill it in and send it back:
scan a copy together with the relevant paperwork to loans@lifecu.ie or bring it in to any of our branches (no need for an appointment!)
Send it with the relevant paperwork to Lending Department, 20, North Main Street, Naas, Co. Kildare.
Over The Phone
Call our free phone number 1800 201 303 and we will talk to you through the process
What Do I Need To Apply
To qualify for our low rate car loan the cheque must be payable to the dealer. Repayments must also be made on a regular basis via direct debit.
1
INCOME DETAILS
- Proof of PPSN (Payslip, document from Revenue or Department of Social Welfare)
- 3 recent receipts of any income you receive (this may include payslips, social welfare receipts, children’s allowance receipts, pension receipts).
- If you are Self Employed we would look to see your most recent Form 11 Notice of Assessment and your most recent set of accounts.
2
FINANCIAL STATEMENTS
- 3 months up to date bank statements, dated as close to the application date as possible, (your statements should show your income and any mortgage/rent or loan payments that you may have).
- If you are Self Employed we would require 6 months up to date business bank statements in addition to statements for your personal account.
3
ADDITIONAL DOCUMENTATION
- If you are married/cohabiting, we would also look to see income details and financial statements (listed above) for your spouse/partner.
- If you are applying for a student loan we require proof of your course, we may also ask a parent to go as guarantor on your loan.
- If you are switching your loans to us we would ask that you provide a 6 month statement on the loans/credit cards to be switched.