Personal Loan

5 January, 2023

At the credit union we understand that the reasons for needing a personal loan are as varied as life itself. Chat to us about a flexible personal loan or apply online today.

Why borrow from First South Credit Union?

Imagine – A straight-forward loan, with no sneaky conditions.
We offer flexible personal loans of all sizes. You can pay off your loan early or increase your repayments, all without any scary penalties.

Imagine – A loan from a lender at the heart of your community.
We are not-for-profit and owned by our members, the people who save with us and borrow from us. All decisions are taken at local level, in the best interest of all our members.

Imagine – A loan with built in insurance, at no cost to you.
This is designed to pay off a loan in the event of a borrower’s death – subject to terms, conditions and eligibility criteria.

How do I apply for a Personal Loan?

You can apply online, over the phone or in any branch – no appointment needed!
We offer quick approval times and have a 98% approval rate.

If you are already a member of First South Credit Union, contact us today, or to apply online just log in to your account to get started.

Not a Member? Not a Problem!

If you’re not yet a member, why not join us today? You’ll find more details on what you need to join by clicking here.

Or if you can’t remember the last time you used your credit union, that’s also no problem. We love to see old friends returning. Just contact us to find out how to reactivate your account.

*A loan of €5,000 at 10.24% variable interest rate (10.78% APR) repayable over 5 years would have 60 monthly repayments of €106.84. Total amount repayable is €6,410.40. Total cost of credit is €1,410.40.

Loans are subject to approval. Terms and conditions apply. 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. First South Credit Union Ltd is regulated by the Central Bank of Ireland.

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