Holiday Loan

No Hidden Fees

There are no hidden fees or transaction charges.

Competitive Interest Rate

Our standard rate of Interest for our loans
12% (APR 12.68%).APR stands for Annual Percentage Rate

Interest Rate Reduction

Repayments are calculated on your reducing balance, so you pay less interest with each repayment.

Insured Loans

Your credit union loan is insured – subject to terms and conditions – at no direct cost to you. Other lenders charge for this.

No Penalties

You can pay off your loan early, make additional lump sum repayments or increase your regular repayments, without a penalty.

Reasonable Rates

You can borrow at a reasonable rate of credit compared to other financial providers.

When you take out a loan with us, you help us give back to support a variety of community activities – from local schools, local charities, community groups and sports clubs.

Loan Calculator

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APR 11.00%

APR 11.00%

Repayment Summary*:

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Enquire Here

Loan Enquiry

Your loan details have been captured and will be submitted with your enquiry.

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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.

How to Apply


Existing members can come in to any of our offices, call us on
053 9233 835, email loans@enniscorthycu.ie or make an application online when they are registered. We can then discuss your needs and proceed with your loan application.

What We Require


1

Outgoings

  • 3 months bank statements (most recent)
  • Credit card statement (if applicable)
  • Mortgage statement (if applicable)
2

Proof of Income

  • Employed - 2 recent pay-slips
  • Self-employed - Most recent set of accounts and latest tax returns/Notice of self-assessment
  • Social Welfare – 2 recent payment receipts
  • Retired – Proof of all pensions
3

Photo ID

  • Passport
  • Drivers Licence
  • Student Card

Avoid Your Account Becoming Dormant


If your account has been dormant or we don’t have up to date information, we may also require confirmation of address (not more than 6 months old) e.g. utility bill and/or proof of PPS number e.g. revenue documentation. Find out more about acceptable documentation.

Lending Criteria


Maximum Net Loan €50,000

Proven ability to repay required

Free loan protection insurance for eligible members

Please note: When applying for your first loan with us you will need to speak directly with one of our loans officers. Please call 053 9233 835.

When processing a loan application we use credit agencies for credit reporting purposes, please check out
The Central Credit Register.