Finances feeling a bit rough?

 

Reduce Your High Interest Loans and Credit Cards Into One Smarter, Single Payment.

 

Transfer your existing loans and credit card balances to us and see what you could save!

Without a doubt one of the biggest benefits of consolidating your debt is the relief it can bring. Combining several payments into one more manageable payment gives you back control, and can often lower the cost of your monthly outgoings. There are lots of different debts that you can combine with us to make life easier. 

 

Until 29th February 2024 we are offering a ridiculously low rate of 6.5% variable (6.7% APR). That’s a massive saving on the average credit card interest of over 20%!

Check Repayments.

Car Loan
Car Loan
Loan amount € 20,000 APR* = 6.43 %
  • Loan Amount € 20000
  • Repayment €---
  • Loan Term 1 Years
  • Total Repayments €---
  • Total Cost of Credit 1 Years

*APR = Annual Percentage Rate

Standard Personal Loan
Standard Personal Loan
Loan amount € 1,000 APR* = 9.93 %
  • Loan Amount € 1000
  • Repayment €---
  • Loan Term 1 Years
  • Total Repayments €---
  • Total Cost of Credit 1 Years

*APR = Annual Percentage Rate

Home Improvement Loan
Home Improvement Loan
Loan amount € 500 APR* = 6.17 %
  • Loan Amount € 500
  • Repayment €---
  • Loan Term 1 Years
  • Total Repayments €---
  • Total Cost of Credit 1 Years

*APR = Annual Percentage Rate

Large Loans over €40k
Large Loans over €40k
Loan amount € 40,000 APR* = 6.17 %
  • Loan Amount € 40000
  • Repayment €---
  • Loan Term 7 Years
  • Total Repayments €---
  • Total Cost of Credit 1 Years

*APR = Annual Percentage Rate

Debt Consolidation
Debt Consolidation
Loan amount € 1,000 APR* = 6.7 %
  • Loan Amount € 1000
  • Repayment €---
  • Loan Term 1 Years
  • Total Repayments €---
  • Total Cost of Credit 1 Years

*APR = Annual Percentage Rate

Student Loan
Student Loan
Loan amount € 1,000 APR* = 6.17 %
  • Loan Amount € 1000
  • Repayment €---
  • Loan Term 1 Years
  • Total Repayments €---
  • Total Cost of Credit 1 Years

*APR = Annual Percentage Rate

Young Adult Loan 18 25 years
Young Adult Loan 18-25 years
Loan amount € 1,000 APR* = 8.57 %
  • Loan Amount € 1000
  • Repayment €---
  • Loan Term 1 Years
  • Total Repayments €---
  • Total Cost of Credit 1 Years

*APR = Annual Percentage Rate

Mortgage Secured Loan
Mortgage Secured Loan
Loan amount € 150,000 APR* = 4.02 %
  • Loan Amount € 150000
  • Repayment €---
  • Loan Term 15 Years
  • Total Repayments €---
  • Total Cost of Credit 5 Years

*APR = Annual Percentage Rate

School Easy Pay Loan
School Easy Pay Loan
Loan amount € 1,000 APR* = 6.17 %
  • Loan Amount € 1000
  • Repayment €---
  • Loan Term 1 Years
  • Total Repayments €---
  • Total Cost of Credit 1 Years

*APR = Annual Percentage Rate

Life@Work
Life@Work
Loan amount € 500 APR* = 6.17 %
  • Loan Amount € 500
  • Repayment €---
  • Loan Term 1 Years
  • Total Repayments €---
  • Total Cost of Credit 1 Years

*APR = Annual Percentage Rate

UB/KBC 6% Switcher
UB/KBC 6% Switcher
Loan amount € 500 APR* = 6.17 %
  • Loan Amount € 500
  • Repayment €---
  • Loan Term 1 Years
  • Total Repayments €---
  • Total Cost of Credit 1 Years

*APR = Annual Percentage Rate

Special Home Utilities Loan
Special Home Utilities Loan
Loan amount € 500 APR* = 8.57 %
  • Loan Amount € 500
  • Repayment €---
  • Loan Term 1 Years
  • Total Repayments €---
  • Total Cost of Credit 0 Years

*APR = Annual Percentage Rate

Green Loan
Green Loan
Loan amount € 1,000 APR* = 8.84 %
  • Loan Amount € 1000
  • Repayment €---
  • Loan Term 1 Years
  • Total Repayments €---
  • Total Cost of Credit 1 Years

*APR = Annual Percentage Rate

Contact information

Are You a Member of Life Credit Union?

Please note by submitting your information, you are agreeing to the terms and conditions of our privacy policy.

Apply online now How Much Can I Borrow? Request a Call Back

Terms & Conditions Apply. APR means Annual Percentage Rate. The repayment amount quoted is for illustrative purposes only to provide you with the potential cost of borrowing.
Actual repayment amount will be as given in your credit agreement at the time of borrowing.

How to Apply

We understand how busy life can be, so we try and make it as easy as possible to apply with us. You can apply online even if you are not already a member, and get the funds to your account without having to visit a branch! 


To complete your application, we’ll need some documentation. And remember, 

if it’s a joint application we will need paperwork for both parties.

Photo Id  

An in date driver's licence or passport

Proof of PPSN  

We can accept any official document (this includes your payslip) with the exception of the Public Services Card.

Proof of Address  

A utility bill or bank statement dated within the last 6 months

Proof of Income  

Usually a recent payslip or social welfare slip. If you are self-employed you will need to provide your most recent F11, 2 years set of accounts and 6 months business bank statements

Bank Statement 

You can upload a PDF of your statements which include your name and IBAN

Credit Card example based on BOI Classic Credit Card at 22.1% APR with a balance of €3,000 and monthly payment of €90. Total Amount Payable €4,770. Length of time to clear card 4 years, 5 months. Source https://www.ccpc.ie/consumers/money-tools/credit-card-comparisons.

 

Life Credit Union loan of €3,000 at 6.5% over 3 years. 36 monthly payments of €91.95. APR 6.7%. Total Amount Payable €3,311. Length of time to clear card 3 years.

 

Loan example is for illustrative purposes only. Final repayments and cost of credit will be agreed in the credit agreement. APR stands for Annual Percentage Rate. Loans are subject to approval. Lending criteria, terms and conditions apply. Over 18s only. Promotional rate of 6.7% APR only available for new loans transferred in to Life Credit Union until 28th February 2024.

 

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.

 

WARNING: Changing your loans may result in you paying over a longer term and/or paying more interest over the life of your loan.

Search

Promotions

30% OFF first time

CU Greener homes