Our Personal Loan Secured by Shares is available to members who have an amount of savings with the credit union, and who wish to borrow up to the amount held in their savings. The savings will be held by the credit union as collateral for the outstanding loan balance during the term of the loan i.e. it’s share secured.
Enjoy our super low Large Secured by Shares Loan rate of 5.25% (Typical APR 5.38%) when borrowing for amounts between €25,001 – €60,000 and a rate of 6.50% (Typical APR 6.70%) when borrowing for amounts between €10 – €25,000.
Fast loan decisions (Typically within 24 hours)
Free loan protection insurance. T&C’s Apply
No penalties for early or lump-sum repayments
No minimum membership period required
Borrow up to €60,000
Repayment terms up to 10 years, depending on amount borrowed
What Will My Loan Repayments Be?
You can borrow up to €60,000, even as a new member, no savings history or waiting period required.
Max Loan Term :
6.7%
6.7%
6.7%
This calculator is for illustrative purposes only, to give you, the borrower, an overview of the potential cost of borrowing. The Credit Union, or any of its staff, cannot be held responsible for any errors. Please note that this calculator only provides an indicative quote and actual repayments may vary.
Representative example
Fair pricing from your local credit union!
Loan amount
€10,000
Interest rate - APR
6.70%
Loan term
5 years
Total interest
€1,740
Montly repayment
€195
Total cost of credit
€11,740
How do I apply?
What you need to avail of our incredible offers.
The loan application process is quick and secure. You’ll be asked some standard questions about your loan purpose and your household income and expenses.
You may need to provide:
- 3 most recent consecutive payslips
- Proof of any additional household income
- Personal bank statements from the last 3 months
NOTE: Additional documentation may be requested depending on your circumstances. Learn more.
Once your documents are received, one of our team members will contact you as soon as possible with an update.
Ready to apply?
Please note: You must be at least 18 years old to apply for a loan.
Have questions or need assistance?
Email: loans@fccu.ie
Call: 094 902 2969
