- Loan Amount € 20000
- Repayment €---
- Loan Term 1 Years
- Total Repayments €---
- Total Cost of Credit 1 Years
*APR = Annual Percentage Rate
Easy Life Loan
Swap multiple existing loans into one Easy Life Loan. One low rate monthly payment. Easy.
BUMPER CAR LOAN
Get the new car you've always wanted - €20,000 to €40,000!
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
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 IMPROVEMENT
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
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
EASY LIFE 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
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
BIG LIFE LOAN
Borrow over €40,000 for the lowest rate on the market!
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
INDI LOAN
A loan for 18 – 25 year olds at an incredibly low rate
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
30 free coffees a month!
Got lots of loans with different interest rates & due dates?
Swap them all now for one Easy Life Loan and save as much as €105 per month*!
That’s at least 30 flat whites!
*Example based on individual with a car loan outstanding of €5k (€205/mth), bank loan outstanding €15k (€299/mth) and credit card €2.5k outstanding (€63/mth). Total outstanding debt of €22,500 and monthly payments of €567 vs €22,500 Easy Life Loan over 5 years, 60 monthly payments of €462, Representative APR 8.57%, Total Amount Payable €27,742 Loan example for illustrative purposes only. Based on average local coffee costing €3.50. Information correct as at 31/03/2020.
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. Changing your loans may result
in you paying over a longer term and/or paying more interest over the life of your loan.
One Fixed Rate
Reduced interest with One fixed rate of 7.49% APR
One Easy Payment
Just one payment per month Instead of several. Nice!
Reduced monthly payments
Free up some of your monthly spend with one reduced payment.
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
All our applications are treated confidentially and on their own merits. The key consideration is a member’s ability to repay the loan over a certain time frame. For all applications we will need your consent to do an Irish Credit Bureau check. The paperwork we require depends on your situation, so please read below to see what we will need for your application.
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.