Applying
There are no set-up fees with our loans. A €10 fee will apply each time your monthly repayment has not reached your loan account in cleared funds by the payment date.
You need to include information about all rents and mortgages that you currently have.
We will need proof of identity, address and income to process your loan application.
Proof of identity
You must send one piece of photographic evidence that is in date. We accept any of the following:
- Passport – please make sure that when you take a photo of your passport, pages three and four are both clearly visible
- Driving licence – you can use either the old paper licence or new card format but please make sure your name, photo and the expiry date are clearly visible
- Immigration or Garda age card - please make sure that the photo you take of your card clearly shows your name, photo and expiry date
Proof of address
We will need one of the following documents, dated within the last three months:
- Utility bill
- Any bank correspndence displaying the customer's bank account number
- Any revenue correspondance
- Any social welfare correspondance displaying the customer's PPS number
- Any insurance correspondance displaying the customer's policy number (including; home, life, car, health)
- Littlewoods correspondance displaying the customer's account number
- Road Safety Authority / National Driving Licence Service / correspondance such as NCT - National Car Test Report
- Any correspondance issued from or on behalf of a government body or local county council
When taking a photo of your proof of address, we need to see the full page clearly. Please ensure the image is not blurry so we can verify your address.
Proof of income
To verify your income we need to see your most recent personal bank statements for the account that your income is paid into. These should show your name and address. Bank statements can be downloaded as a PDF from all bank websites, on all devices.
If you are self employed, you can use your tax assessment forms for the last two years. These documents, which must include tax returns and Revenue acceptance forms, can be obtained from your accountant or from Revenue.
If your income is not paid into your account, you can use a photo or PDF of a payslip, social welfare receipt, your most recent pension statement or tax certificate.
We don’t accept joint applications at this time but you can include income from another household member in your application, with their consent. If you do this, we will require their personal documents as well.
The application process is an online one and documents can only be uploaded through our Document Centre. Please don't post your documents but check out our guide to uploading them online.
The Central Credit Register (CCR) is a new secure system for collecting information on credit applications and credit agreements of €500 or more.
It is owned and operated by the Central Bank of Ireland. We share your information with the CCR, which uses it to create individual credit reports.
The Central Bank owns the information held on the CCR and is the data controller under the Data Protection Acts. You have a right to request your credit report, free of charge, at any time and subject to fair usage.
Find out more about what the CCR means for your loan application.
To see the information on your credit report you can request a copy at www.centralcreditregister.ie
During the loan application process, we’ll tell you exactly how much you will have to repay including interest, depending on the size and term of your loan.
The interest rates that apply to your loan will also be detailed on your loan credit agreement. We will assign you the appropriate rate for you based on your financial profile and credit history once your application has been reviewed.