Personal Loan
From 7.77% APR
For everyday needs and life's unexpected costs
Loans
Loans from Phoenix Credit Union
Flexible lending with fair rates, clear repayments and local support when you need it.
Flexible Lending With Fair Rates and Local Support
A loan from Phoenix Credit Union is designed to be simple, fair and easy to understand. Whether you are planning ahead or dealing with an unexpected expense, we offer flexible borrowing options with competitive rates, no hidden fees and no penalty for early repayment. You can apply in the way that suits you best and speak to a real person if you need help along the way.
Our Loans
Loan Calculator 
Car Loan
From 7.77% APR
Drive away sooner with a new or used car
Covered Loan
From 7.77% APR
Borrow against your share and keep your savings in place
Education Loan
From 7.77% APR
Help to cover study and back-to-school costs
Home Improvement Loan
From 7.77% APR
We can help you renovate and upgrade your home
What We Require From You...
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Outgoings
- 3 months most recent bank statements.
- 3 months most recent Revolut bank statement.
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Proof of Income
- Employed — recent payslips
- Self-employed — two years’ most recent Notices of Assessment and Tax Clearance Certificate
- Social Welfare — recent payment receipts
- Retired — proof of all pensions
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Identification
- Photo ID — passport, driver licence or Garda Age Card
- Proof of address — recent utility bill, bank statement, household/motor renewal letter, etc.
- Proof of PPSN — payslip or letter from Revenue
How to Apply
You can submit your supporting documents through any of the following channels:
- Open Banking (preferred method for bank statements)
- Online via the app, directly to your account
- Email to loans@phoenixcu.ie (PDF format preferred)
- In person at any branch
- Web applications — apply online via our website or the Phoenix CU app.
- Phone — contact our Loans Team on Freephone 1800 202 444 (or 01 869 2500).
- Email — send your enquiry or application to loans@phoenixcu.ie.
- In branch — visit any Phoenix Credit Union branch and a Member of staff will assist you.
Need a Hand with This?
(01) 869 2500