Why not live a little?

There are no fees or charges for clearing loans early. You can apply online. Credit where credit is due is a familiar phrase and one which sums up our approach to lending money. We appreciate it's important for our members to "live a little" and enjoy life with friends and family in a way that's fair and affordable when it comes to getting a loan. We're delighted to help and provide a range of loan products, offering manageable repayment options, with no hidden costs or additional fees. As an esccu member, we are here to help provide two fundamental areas of financial support. Loans for Life and Services for Living.

The type of loans we have available are based on our members needs and how they meet the demands of your lifestyle. Whatever age, career or family stage you are at, our rates are designed to suit your individual needs. We also have mortgage options available.

All loans are subject to application approval lending terms and conditions. Subsequent loans will be based on certain considerations such as the member's;

  1. Ability to repay a loan
  2. Current savings and loan repayment history
  3. Personal circumstances
  4. Purpose of the loan

You can repay your loan by setting up a

  • Direct Debit
  • Salary Deduction (payroll)

How do I apply for a loan?

Once you have activated your membership account with esccu, by lodging a minimum of €10 into your shares account, you are eligible to apply for a loan with us. Regular savings through either payroll deduction or direct debit payment method to your shares account is recommended. The simplest way is to apply online with our (LOL) Loans On-Line application form. You must supply all of the relevant documentation for the efficient processing of your loan application. You can also download an application form and once completed, it can be posted to esccu, 55 Dawson Street, Dublin 2. Alternatively, if you would like to discuss your loan application, feel free to drop into our branch, where we can answer any questions you may have. You can also call our Lending Team for advice or for further information on 01 6427900

What I need with my loan application form?

  • 3 most recent payslips
  • Up to date bank statement showing previous 3 months regular income and outgoings
  • If moving a loan to us we need an up to date loan statement showing the loan balance
  • Evidence of quotes may be required (For example if you are applying for a home improvement loan)

Our Current Loan Rates

4.7% Variable rate (4.8% APR*) secured loan by unattached shares, with the minimum loan amount being €2,000, which has to have been lodged into your shares account for at least 3 months
6.0% Variable rate (6.3% APR*) higher education loan
5.9% Fixed rate (5.9% APR*) for 1 year loan of €1,000 - €5,000
6.3% Fixed rate (6.5% APR*) for 3 year loan of €5,000 & over
6.7% Variable rate (6.9% APR*) for loans of €10,000 & over
8.6% Variable rate (8.9% APR*) standard loan

* APR stands for Annual Percentage Rate. All loans are subject to lending terms and conditions. Loan interest rates quoted are correct as of 06/06/2018

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.