Loans for Living Life
From helping with life’s essentials to bucket list holidays or making your home more energy efficient. Personal loans, fast service, easy application.
Loans for Living Life
From helping with life’s essentials to bucket list holidays or making your home more energy efficient. Personal loans, fast service, easy application.
Decision
Within 24 hours
FREE Loan Protection Insurance
No Savings Record Needed
No Early
Repayment Fees
Community
Support
Experience the ease and flexibility of Life CU, where you can apply for a personal loan from €500 to €100,000 quickly and with an easy application process. Join, apply for a loan, and manage your accounts entirely online — available 24/7. Kick start your dreams today with a personal loan from us.
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Personal Loans
Large Loans Over €25k
Home Improvement Loans
Car Loans
Green Loans
Student Loans
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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 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
Proof of Address
A utility bill or bank statement dated within the last 6 months
Bank Statement
You can upload a PDF of your statements which include your name and IBAN
Our Personal Loan Interest Rates
| Loan Type | Nominal Borrowing Rate | Annual Percentage Rate (APR) | Green Loan Nominal Borrowing Rate | Green Loan APR |
|---|---|---|---|---|
| Personal Loan €500 - 9,999 | 10.25% | 10.74% | 8.75% | 9.11% |
| Personal Loan €10,000 - 24,999 | 8.75% | 9.11% | 6.00% | 6.17% |
| Personal Loan €25,000 - 100,000 | 6.50% | 6.70% | 6.00% | 6.17% |
| Student Loan | 6.50% | 6.70% | N/A | N/A |
Personal Loan €1 - 9,999
Nominal Borrowing Rate
10.25%
10.25%
Annual Percentage Rate (APR)
10.74%
Green Loan Nominal Borrowing Rate
8.75%
Green Loan APR
9.11%
Personal Loan €10,000 - 24,999
Nominal Borrowing Rate
8.75%
Annual Percentage Rate (APR)
9.11%
Green Loan Nominal Borrowing Rate
6.00%
Green Loan APR
6.17%
Personal Loan €25,000 - 100,000
Nominal Borrowing Rate
6.50%
Annual Percentage Rate (APR)
6.70%
Green Loan Nominal Borrowing Rate
6.00%
Green Loan APR
6.17%
Student Loan
Nominal Borrowing Rate
6.50%
Annual Percentage Rate (APR)
6.70%
Green Loan Nominal Borrowing Rate
N/A
Green Loan APR
N/A
Representative Example:
€25,000 personal loan repayable over 5 years. 60 months repayments of €489.15 per month. Rate of interest 6.5% per annum variable, 6.7% APR. Cost of Credit €4,349.22. Total amount payable €29,349.22
Example is for illustrative purposes only. Exact repayment amounts will be agreed in the credit agreement at the time of borrowing.
Lending Terms and Conditions Apply
APR stands for Annual Percentage Rate. Over 18s only. Loans are subject to repayment capacity & financial status
WARNING:
If you do not meet the repayments on your agreed credit agreement, your account will go into arrears. This may affect your credit ratings which may limit your ability to access credit in the future.
