Start Your Financial Journey with Claddagh Credit Union. If you are a first time borrower or a member that has never borrowed with Claddagh Credit Union you can avail of our First Time Borrower Loan at a low variable rate of 8% (8.29% APR*)

Why Choose Our First-Time Borrowers Loan?
  • First Time Borrower Loan 8% (8.29% APR*)
  • Borrow from €100 to €25,000 (Offer Ends 31st December 2024).
  • Flexible repayment terms.
  • Free Loan Protection Insurance.

Loan Calculator

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APR 11.00%

APR 11.00%

Repayment Summary*:

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Interest

Fortnightly

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Interest

∗Terms & Conditions Apply. All figures given on this website are for your general information only, and give a rough guide to loan repayments. Any statements on this website do not purport to be authorative or legally binding. You are advised to check with our offices for up-to-date rates and offers.

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Loan Enquiry

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What We Require From You

What we require from you

1

Proof of Income

  • Depending on your own circumstances:
  • Social Welfare receipts
  • Recent payslips
  • Recent income assessment
  • Tax Clearance Certificate
2

Bank Statements

  • The last 3 months statements from your current account
3

Photo ID

  • Current Valid Passport/Passport Card
  • Current Valid Driving Licence
  • Additional documentation may be required in some instances

Lending criteria

Savings Requirement

  • Minimum of €20 in your savings.

Ability to Repay

  • We must establish that a borrower is able to afford the loan repayments, including interest, for the full duration of the loan.

Documentation

  • Depending on the purpose of the Personal Loan, some supporting documentation may be required.

In the case that a guarantor is required on a loan and you are providing their documentation (e.g. payslip etc.) the Credit Union will need them to sign a Third Party Information Consent form available from our Downloads section.

 

Claddagh Credit Union First Time Borrower Loan. Image of Coupl
There are four convenient options available

To apply for a loan:

  • Log in to your online account to apply* (if you don’t have online access just register below)
  • Complete an online loan enquiry via the Apply Now button below
  • Freephone us on 1890 285 626
  • Call into any of our three branches

*Applying through your online account enables you complete the whole loan process from application stage to funds being delivered direct to your bank account.

 

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Please note: All loans of €500 and greater are reported to The Central Bank of Ireland under the Credit Reporting Act 2013. You can find further information here.

CCR Information

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.

To avail of this loan rate the member must have never held a loan with Claddagh Credit Union Limited. 
Normal lending criteria, terms and conditions apply. Loans subject to approval.

If you would like more information please contact Claddagh today.

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