Ballincollig Credit Union Limited, Credit Union House, Harrington St., East End Ballincollig, Co. Cork

021 487 2305

Loan Application Process

Prior to considering a loan you need to ask yourself a number of questions.

  1. How much can you afford?
  2. How long do you want to have the loan for?

When required we’ll give you professional, friendly & helpful advice to help you through this process. Once you decide what type of loan and the amount you would like to request, you are ready to apply for your loan.

The application process will include:

  • An update of your details on our system
  • Standard questions regarding the purpose of the loan
  • Details of your household income and outgoings.
  • As part of this process, Irish Credit Bureau consent will be requested from you.
  • You will also be required to provide proof of your ability to repay.

Loans are available to all our members, if you are not a member you must first join the credit union.

Applying for a loan could not be easier!

Apply in branch at our Harrington Street Office

Apply online, members can apply online by logging into the CU Online services area, this is similar to online banking. To apply for a loan online you will have to register first.

Members can apply over the phone – our dedicated Member Service Officers are ready to answer your call on (021 872305)

To speed up your Loan Application, it may be useful to know that the following documentation is typically required:

Loans up to €1,999

Recent Payslip if in employment

Loans €2,000 to €6,999

Recent Payslip if in employment

For Self Employed: Set of Accounts & Tax Clearance

3 months Bank Statements

Loans €7,000 & Over

P60 & Recent Payslip if in employment

For Self Employed: Set of Accounts & Tax Clearance

6 months Bank Statements

All First Time Loan Applications require 6 months bank statements

All Loan Applications may require updated Photo ID, PPS Number and Proof of Address

Loan Collection

Please be aware that loans can only be collected by a Member when all Membership Account Details are current & valid.

This may include;

  • Photo reference
  • Current Proof of Identity
  • Current Proof of Address

This information may also be sought for Share Withdrawal purposes