Default fees and charges

If you breach your Loan Credit Agreement, we may charge the default charges detailed below: 
a)    if you fail to pay a Monthly Instalment in full, if the payment does not reach our account by the due date, or if a direct debit is returned after the due date, a non-payment fee of €10.00 will be applied.
b)    the amount of any other losses and reasonable costs that we have to pay as a result of any breach of the Loan Credit Agreement. This includes costs for finding you, telling you about the breach, communicating with you about it, and making sure you pay any money you owe under the Loan Credit Agreement.  

To apply for a loan, you must be over 18 and a resident of the Republic of Ireland. The personal loan is unsecured and is subject to your repayment capacity, financial profile and a credit check.

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.

You can make repayments on your loan automatically by direct debit, according to the terms of your loan agreement. Please see question below on ‘How do I set up or amend a direct debit?’

If you’re late with a payment, you can use your debit card to make it, by calling us on 0818 205 410.

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.