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Loan Calculator

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APR 11.00%

APR 11.00%

Repayment Summary*:

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Loan Enquiry

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Lending criteria

Standard Loan 12% (12.65% APR)

  • Repayments are calculated on your reducing balance, so you pay less interest with each payment. You can pay off your loan early, make additional lump sum payments or increase your regular repayments, without a penalty. Maximum term 5 years.

Proven Ability to Repay

  • It is our responsibility to all members to ensure that we only lend members’ money to other members when it has been established that there is an ability to repay the loan. A borrower must be able to afford the loan repayments, including interest, over the full duration of a loan.

Free Loan Protection Insurance*

  • *subject to terms and conditions. Your credit union loan is insured at no direct cost to you. Other lenders charge for this.
What We Require From You
1

Outgoings

  • 3 months bank statements (most recent)
  • Credit card statement (if applicable)
  • Mortgage statement (if applicable)
2

Proof of Income

  • Employed - 2 recent pay-slips
  • Self-employed - Most recent set of accounts and latest tax returns OR Notice of self-assessment
  • Social Welfare – 2 recent payment receipts
  • Retired – Proof of all pensions
3

Identification

  • Photo ID - Passport, Driving Licence, Student Card
  • Proof of Address - Current utility bill or bank statement (within 3 months)
  • or Proof of Address - Government issued documentation relating to tax or benefits (within 3 months)
How to apply

How To Apply


Existing members can come in to any of our offices, call us on 028 97 563057 or make an application online when they are registered. We can then discuss your needs and proceed with your loan application.

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If you would like more information on applying for a loan with Ballynahinch Credit Union please contact us today.

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