Great question! When it comes to personal loans at FSC you can borrow up to €75,000, and the best part? It's unsecured!
Whether you're looking to consolidate debt, fund a home renovation project, or even plan your dream holiday, a personal loan can provide you with the financial flexibility you need.

When it comes to the repayment term for a personal loan, the maximum term available is 10 years. However,  you have the flexibility to clear your loan as quickly as you'd like. We understand that everyone's financial situation is unique, so whether you're looking to pay it off sooner or prefer a longer-term repayment plan, the choice is entirely up to you. Our goal is to provide you with the freedom and convenience to manage your finances in a way that suits your needs.

If you find yourself unable to repay your personal loan, it's important to reach out to us as soon as possible. We will work with you to explore alternative payment options and find a solution that best suits your current circumstances. Remember, we're committed to helping you navigate through any difficulties you may encounter along the way. Our goal is to ensure your financial well-being and provide the support you need to overcome any obstacles. So don't hesitate to contact us — we're ready to assist you every step of the way!

Absolutely. You have the freedom to prepay your loan without any penalties. We understand that financial situations can change, and being able to pay off your loan ahead of schedule is a great advantage. Whether you come into some extra cash or simply want to reduce your overall interest costs, you have the flexibility to do so. No need to worry about additional fees or charges - we're here to make your experience as convenient and transparent as possible.

While our website provides a wealth of information, we understand that sometimes you may have specific questions or need further clarification. That's why we encourage you to reach out to our friendly team for personalized assistance.

You can visit any of our branches, where our knowledgeable staff will be happy to help.

Alternatively, you can give us a call at 021-4965134 to speak with us. We're eager to provide you with the information you need to make informed decisions about your financial journey.

To ensure a smooth experience, please gather the following documents:

Proof of Income: If you're employed, your most recent payslip will serve as proof of income. For individuals receiving social welfare, you can provide evidence through a bank statement or a receipt from the post office.

Bank Statements: To assess your financial situation, we'll need three months' worth of bank statements. These statements should clearly show your income deposits, giving us a comprehensive understanding of your financial health.

If you are self-employed, additional documentation is required:

Notice of Assessment and Tax Clearance Cert: These can be obtained when you log in to your revenue account. Alternatively, consult your accountant.

By providing these documents, you'll help us expedite the evaluation of your loan application, allowing us to provide you with a quick and accurate decision. We understand the importance of transparency and will handle your personal information with the utmost confidentiality.

Our dedicated team is here to support you throughout the application process and answer any further questions you may have. We're committed to making your loan journey as smooth and hassle-free as possible.

To apply for a personal loan at First South Credit Union, we offer three convenient options:

Apply Online: Visit our website at www.1cu.ie and complete the loan application form right from the comfort of your own home.

Call Us: Give us a ring at 021-4965134, and our friendly team will guide you through the loan application process over the phone.

Visit a Branch: If you prefer a face-to-face experience, feel free to visit any of our branches, where our knowledgeable staff will be happy to assist you with your loan application.

At First South Credit Union, we strive to make the loan application process as seamless and convenient as possible.