Loans
Lending That Works for You
Discover accessible financial solutions for all your needs. Whether it is funding your plans with a personal loan, investing in a sustainable future with green lending, or finding the perfect mortgage, we have you covered.
Loan Calculator
Try out our quick and easy loan calculator below
Maximum Loan Term :
5.01%
5.01%
5.01%
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. Whilst every care has been made in the production of this web page, Public Service Credit Union Ltd, or any of its staff, cannot be held responsible for any omissions, errors or other mistakes made. This web page and its contents are for illustrative purposes only, so as to give you, the borrower, an overview of the potential cost of borrowing. Any statements on this website do not purport to be authoritative or legally binding.
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.
Whilst every care has been made in the production of this web page, Public Service Credit Union Ltd, or any of its staff, cannot be held responsible for any omissions, errors or other mistakes made. This web page and its contents are for illustrative purposes only, so as to give you, the borrower, an overview of the potential cost of borrowing. Any statements on this website do not purport to be authoritative or legally binding.
Discover the Benefits of a Loan from Public Service Credit Union
Borrow online or in person, you choose
Apply online or via the app 24/7, secure and simple
Choose a loan type, term and repayment that suits your budget
Loan Protection Insurance included at no direct cost to you
No Hidden Fees, what you see is what you get
Friendly service, our team is here to help every step of the way
Salary Deduction available, for extra peace of mind
Be part of a community, where members support members
Our Loans
Loans to suit all purposes
Welcome Loans
This loan is for members who have never borrowed from PSCU. It can be used for any purpose, including refinancing higher-cost loans elsewhere. Enjoy a special rate of 4.9%, with a maximum loan of €40,000 and a term of up to 5 years.
Standard Loans
Need funds for a significant purchase, unexpected expenses, or anything else? Our standard loan covers all your needs. Talk to us today!
Car Loans
With a Car Loan from Public Service Credit Union, you get behind the wheel straight away with no balloon payments or hidden terms. Whether it’s your first car or your next, talk to us today.
Home Improvement Loans
From a simple refresh to a full rebuild, our Home Improvement Loan gives you the financial peace of mind to turn your house into a home.
Mortgages
We offer a personalised, guided mortgage journey with loan amounts up to €500,000 over 35 years and a maximum age limit of 70 years. Let us welcome you home with a mortgage from Public Service Credit Union.
Secured Loans
A Secured Loan allows members to borrow up to the amount they have in eligible shares/savings. Keep your savings intact while benefiting from a special rate that acknowledges healthy savings habits.
GREEN Loans
Your sustainable living goals are important to us. That’s why we offer a special lower loan rate for Green Car purchases and Green Home Improvement plans. T&Cs apply.
Education Loans
We understand the importance of education for school leavers and mature students alike. Our special rate Education Loan makes college plans accessible and affordable.
Holiday Loans
Planning a summer getaway or a bucket list adventure? Start your travel plans with a Holiday Loan from us.
Christmas Loans
Wrap up your Christmas list with an affordable Christmas Loan. Spread the cost of Christmas comfortably over 12 months.
Our Loans FAQs
Have a question? Check below to see if it is answered in our Frequently Answered Questions.
To apply for a loan you should have a minimum of €25 in your shares account, you may also need to provide supporting documents depending on the amount and purpose, please see loan purposes.
TO SIGN DOCUMENT/S ONLINE - (CAN NOT BE DONE THROUGH THE APP)
Please log in to your online account, then choose ‘launch online banking’, and an option ‘documents to sign’ will appear. Under documents to sign, please proceed to sign the credit agreement.
When the documents are signed we will transfer them to your nominated account.
You will know when your loan has been paid out as it will appear active in your online area.
You can apply for your loan online via our Mobile App, you can apply online through our website loan, by visiting one of our branches, by calling our loans team or by emailing our loans team at loans@pscu.ie. Our application process is straightforward and user-friendly. If you are not currently a member with us, you will need to join first and then apply.
To apply for a loan, you'll need to provide photo proof of identity (such as a passport or driver's licence), proof of income (such as payslip), and recent bank statements. Depending on the loan type, additional documents may be required. See the loans page for more information.
We offer a wide range of loans to suit different needs, including our Welcome Loan, Standard Loan, Car Loan, Home Improvement Loan, Secured Loan, Green Loan, Education Loan, Holiday Loan, and Christmas Loan.
We also do mortgages. For more information on our loan products, see the loans page.
We do not offer mortgages for purposes of purchasing property, land or self build.
Yes, Public Service Credit Union offers mortgages with personalised guidance throughout the process. We provide loan amounts up to €500,000, with repayment terms of up to 35 years, and a maximum age limit of 70 years at the end of the loan term. For more information, see our mortgages page.
No, there are no penalties for repaying your loan early. You can repay your loan ahead of schedule without incurring any additional fees.
Our loans offer many benefits, including affordable rates, no hidden fees, loan protection insurance at no direct cost, flexible repayment plans, personalised service from our team, quick approval processes, and the option for salary deduction for added convenience.
Technically, you don't need savings before applying for a loan. However, having regular savings demonstrates your ability to set aside money and can show affordability, which may positively impact your loan application. A savings habit is something that always helps.
Your loan application is assessed based on your overall financial situation, including your credit history, income, and the documents you provide. These demonstrate your ability to repay. Christmas and back to school / college time, tend to be busy and may slightly lengthen the wait time for a loan decision.
The loan assessment process typically takes between 24 to 48 hours after we receive all the necessary support documents. We work hard to provide a fast and efficient service to our members.
