Your First Loan- Made Simple

Taking out your first loan is a big step, and we are here to make it easy for you. Whether you are looking to buy your first car, cover college expenses, planning for your big day, or to fund something important, we offer affordable, flexible loans designed to fit your needs.

Why Choose a First Loan with Us?

✅ Competitive interest rates – making borrowing affordable.
✅ Flexible repayment options – tailored to suit your budget.
✅ No hidden fees – what you see is what you get.
✅ Local support – friendly, personal service from people who care.

First Loan terms and conditions are straightforward and there are no hidden fees or administration charges. There are no penalties for early repayments, a competitive First Loan interest rate of 6.99% (7.2% APR), flexibility to increase repayments and loan protection insurance.

You can apply for your First Loan from Bishopstown Credit Union online, in-person or over the phone. Speak with one of our loan officers today to find a repayment plan that fits your needs!

Start Your Journey Today!

Your First Loan should be a smooth, stress-free experience. Let’s make it happen together!

Estimate your loan repayments

Loan Calculator

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APR 11.00%

APR 11.00%

Repayment Summary*:

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∗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
1

Outgoings

  • 3 Months Bank Statements (most recent)
  • Credit Card Statement (if applicable)
  • Mortgage Statement (if applicable)
2

Proof of Income

  • PAYE Employee - 3 recent pay slips
  • Self-employed - Notice of self-assessment (Form 11)
  • Social Welfare – 2 recent payment receipts
  • Retired – Proof of all pensions
3

Idenitifcation

  • Photo ID - Passport / Driving License
  • Proof of Address – Utility Bill, Bank Statement (dated within the last 6 months)
  • Proof of PPS Number - Medical Card, Payslip, P60
Lending criteria

Ability to Repay

  • A borrower must be able to afford the loan repayments, including interest, over the full duration of a loan. Loan must be repaid via EFT. No top-up allowed.

Maximum Term

  • The maximum term available is 5 years. Maximum loan amount available is €25,000.

Rate applicable to first time borrowers

  • Please note: This rate is available to First Time Borrowers Only.
How to apply

How To Apply

If you are an existing registered member, you can make a full application online. Alternatively, you can call us on 021 4800010 or visit our office to discuss your needs and proceed with your loan application.

Become a Member Make Appointment
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Please note: 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.

If you would like more information on applying for a loan with Bishopstown Credit Union please contact us today.

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