- Loan Amount € 20000
- Repayment €---
- Loan Term 1 Years
- Total Repayments €---
- Total Cost of Credit 1 Years
*APR = Annual Percentage Rate
Student Loan
BIG 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 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
STANDARD 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
MORTGAGE SECURED LOAN
Up to 80% loan to value, with payment term up to 35 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
School Easy Pay Loan
Don’t sweat the small stuff,
let us do that for you!
We don’t want you stressing about college fees, books and IT equipment.
Our low cost student loan is designed to take care of your financial needs in third level without any hassle. College fees, digs, wheels. Your loan, your choice.
Applying is easy - apply online in minutes!
- Applying is fast and easy
- The rate is really low meaning repayments are really low
- Fast approval
- Flexible payment terms to suit you
- If you hit the big time we won’t charge you for paying off the loan early
- Start building your credit history
- No fees or charges – nothing, zilch, zero
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
You can easily apply for a loan online with us, even if you are not already a member! It’s fast and easy and we’ll have your decision to you within 24 hours!
In Branch
You can come make an appointment at any of our branches. 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 us on 045 879 622, select 2 for lending and we can talk 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.