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

021 487 2305

Why Borrow from BCU?

Why Borrow From BCU?

We offer great value loan rates.

We offer loans from as little as 5.4% Secure Loan (5.54% APR) which makes us one of the most competitive in the market.

We approve 97% of all loan applications

Yes, you read correctly. We approve 97% of all loan applications we receive. So it’s highly likely we will say yes to your request and money will be in your account quickly.

We offer flexible term and repayment options.

It’s part of our can-do attitude. We will do whatever we can to accommodate your needs and circumstances.

We will give you a quick decision.

We’re quick at making decisions so you won’t be left waiting for an answer. You can expect a loan decision between 24/48 hours for most straightforward applications.

We make it easy to apply for a loan.

We make it easy to apply for a loan. You can call us, email us or visit us to arrange a meeting with one of our qualified loans officers. You can also start the application process online by filling out the loan enquiry form.

We provide free loan protection insurance to eligible members.

It means that in the unlikely event of your passing during the term of your loan, your dependents won’t have to pay the outstanding balance.

We don’t charge any transaction fees.

With us, there are no administration charges or arrangement fees, no hidden extras or nasty surprises. What you see is what you get.

We don’t penalise you for early repayment.

If you want to pay off your loan early, we won’t stand in your way. You can clear your loan whenever you want, at no extra cost.

We calculate interest on the reducing balance method.

It means you pay less interest with each repayment which can make a big difference over the lifetime of a loan.

We offer loan products for every need

We’re not just here for cars and home improvements. We look at things differently: for education, first-time borrowers, medical, & sporting requirements in the community.