First Time & Come Back to us Borrowers Loan

First Time & Come Back to us Borrowers Loan

First Time & Come Back to us Borrowers Loan


First Time Borrowers:because it the first time LinkCU

New to Borrowing?? That’s ok, …. we’ve done this before!!

In fact we’ve done this a few (thousand) times so we know how to help! You can get the cash you need and start establishing credit with our loan for first-time borrowers.

We make getting a loan simple and hassle free! You can get a loan for any purpose including holiday, medical, education, motor,  home improvements and anything in between.

Most of our loans qualify for FREE loan insurance** so you have the added benefit of peace of mind.

The First Time Borrower Loan is designed for any Link Credit Union member who has no borrowing history with us and meet the financial qualifications to support your loan application. You can borrow up to €5,000 at the promotional lower rate of 7.9% (8.2% APR).

We approve over 98% of all loan applications. So, what are you waiting for? Apply Today!! With a first-time loan and on-time payments, you’ll be on your way to establishing a strong credit history. Link Credit Union believes it’s important to help our members get off on the right foot from the very start!

Loan Repayment Calculator

Come Back to us:Come Back to us Loans

If you are an existing member that has borrowed from us before but you have not had a loan in the last 24 months, (i.e. any previous loan completed in full over 24 months ago) you can avail of the promotional rate of 7.9% (8.2% APR).

Our Loan Application process has changed a lot since you last borrowed. We know that taking out a loan can be a frustrating experience, so we’ve amended our application process to be as hassle-free as possible. Our new dedicated Lending Unit process all loan applications so that you can receive your loan decision within 24 – 48 hours!! At Link Credit Union, we’re always trying to ensure that we keep things as efficient as possible while ensuring we comply with increased regulatory requirements.

Our Loan Approval rate is over 98% and over 90% of our members would recommend Link Credit Union Ltd. to friends and family***.


Applying has never been easier!!

  • If you are registered for online banking with Link Credit Union simply log on and apply for your loan online.
  • Not Registered for online banking with Link CU? No Problem, you can download our Loan Application form and return your application along with supporting documentation to any of our offices or by email –
  • Apply over the phone – You can Request a Call back or phone our offices on 042-9675000 and a member of our staff will call you back in regards to your loan query.
  • Make an appointment to speak with a Loans Officer – Just call 042-9675000.
  • If you would rather talk to someone face to face – Our staff will gladly assist you with the loan application process.


What we need

We need the following documentation to support your Loan Application:

  • 2 Payslips / 2 Social Welfare Slips / Recent Set of accounts – if Self Employed.
  • 3 Months Bank Statements – Online Banking Statements are accepted.
  • Photo ID – only required if not already held on file.
  • Proof of Address – If not already on Bank Statements.



Benefits of borrowing with us

A Link Credit Loan is the best option to finance your dreams. Some of the many benefits of borrowing with Link Credit Union are:

  • No set up / administration / documentation fees.
  • Free Loan Protection Insurance **.
  • You can make extra /additional repayments or pay the loan off at any time before the agreed final repayment without any fees / penalties for early repayment.
  •  Interest is calculated on the reducing balance.




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.

= Annual Percentage Rate.

Free Loan Protection is subject to terms and conditions.

*** Figures correct as on 05/02/2017

Loans are subject to approval, Normal Lending criteria & Terms and Conditions apply. 

Link Credit Union is regulated by the Central Bank of Ireland.