Caisse de crédit First South
Personal loans up to €100,000 with competitive 10.74% APRC, no hidden fees, flexible repayments and fast approval. Manage your loan completely online.
The Personal Loan from First South Credit Union is designed for those in Ireland seeking finance that’s transparent and easy. You can borrow up to €100,000 on an unsecured basis with a competitive 10.74% APRC. There are no penalties for paying off your loan early, and the flexibility in repayment options is a big plus. The approval rate sits at an impressive 98%, making this a standout choice for both new and existing members.
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- Become a First South Credit Union member if you aren’t one already.
- Gather your identification, proof of address, and income details.
- Access the secure online application portal or contact the provider by phone or in a branch.
- Fill out the application, specifying the amount and optional loan purpose.
- Submit and await a typically quick response for approval.
Advantages
First South Credit Union stands out for a streamlined online application and rapid approvals. Flexible payment options—weekly, fortnightly, or monthly—add convenience. There are truly no hidden fees, a rarity among lenders.
Another advantage is the lack of penalties for early repayment, which means you can settle your balance ahead of time without extra charges. The high 98% approval rate boosts your chance of success even if your circumstances are less straightforward.
Disadvantages
The 10.74% APRC, while reasonable, may be higher than some offers for smaller or secured loans. You’ll also need to be a member of First South Credit Union, which could add an extra step if you’re not already one.
Those looking for very low interest rates or nationwide, non-membership-based access may need to compare options. Limited branch locations could be restrictive for some applicants.
Notre verdict
First South Credit Union’s Personal Loan is a strong choice for Irish borrowers needing an accessible, transparent loan with excellent flexibility. The high approval rate and real lack of hidden fees make it a safe option, especially for those who value easy digital management and ethical banking.
