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There is no lower limit on how much you can apply for, and the maximum amount is €100,000 but this will depend on the type of loan and how much in excess of your savings the loan is. In general our unsecured Loans can be up to €75,000 above your existing savings. At present we do not offer Mortgages.
Loans can be applied for in the office, by phone, or via our CUOnline+ site and app.
Member’s first loan
Member’s can apply for a first loan here at any stage, without a minimum waiting period after joining. Obviously having built up a good record of regular savings will be an advantage when applying for a loan, but your credit record and ability to meet your agreed repayments are of far more importance.
For your first loan a loans officer will meet you to explain how a credit union loan works and answer any questions you might have. A credit check will usually also be carried out to make sure you are not over-indebted elsewhere.
In the case of a member who transfers from another Credit Union, their previous record may be taken into consideration, at the discretion of the credit officer considering the loan.
Subsequent Loans
After you have successfully repaid at least half of your first loan, you can apply for further credit. This will be based on your good record, total level of debts and outgoings, and your ability to repay the loan in a reasonable time-frame.
Tallaght West Credit Union reserves the right to seek any additional information it requires in connection with a loan application.
