Welcome Loan - Link Credit Union Ltd

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Loan calculator
Loan calculator

Welcome Loan

Overview

We understand that sometimes people may be anxious taking out a loan. That’s why we are able to offer a first time borrower rate on your first loan or if you have had no loan balance with Link Credit Union over 3 years or more. You can apply for this loan online or in one of our offices. Experience how easy and hassle free the process is whilst also giving you the privacy you deserve.

You can avail of this lower interest rate of 7.9% Variable (8.23% APR) if you have never taken out a loan with Link Credit Union or you have had no loan balance with Link Credit Union for a period of 3 years or more.

If you are registered for online banking you can apply now through the online banking portal. You can also upload relevant documents, sign the paperwork and drawdown your loan here without the need to come into the office.

  • Apply for your loan in minutes through our online portal, digitally sign and drawdown with no requirement to come into the office.
  • Competitive Loan Rate.
  • Open an account and apply for your loan on the same day.
How do I apply?

To apply for a Welcome loan, please choose one of the three tabs listed below to get further information on the process.

Gather your Documents 1

Gather your Documents

As part of the loan application process, you will be required to provide the following documents.

  • Photographic Proof of Identity i
    Current Drivers licence or Passport. Public Services Card cannot be accepted.
  • Proof of Address i
    A utility bill or bank statement dated within the last 6 months.
  • Proof of PPS Number i
    Can be found on a payslip, medical card, E111 card – we cannot accept the Public Services Card.
  • Proof of income i
    2 recent wage/social welfare slips.
  • Bank Statements i
    3 months Bank Statements to run back to back and finish within the last 3 months. Bank Statements are required if this is your 1st loan or total loan balance exceeds €10,000.
Apply online 2

Apply online

You can apply for a loan through our online banking portal or CuMobile app. Simply login, apply for your loan, upload the relevant documents with our secure facility and on approval digitally sign and drawdown the loan. There is no requirement to come into the office.

Loan Approved 3

Loan Approved

A member of our lending team will contact you to discuss your application. Loan decisions are normally made within 2 working days.

Gather your Documents 1

Gather your Documents

As part of the application process, you will be required to provide the following documents.

  • Photographic Proof of Identity i
    Current Drivers licence or Passport. Public Services Card cannot be accepted.
  • Proof of Address i
    A utility bill or bank statement dated within the last 6 months.
  • Proof of PPS Number i
    Can be found on a payslip, medical card, E111 card – we cannot accept the Public Services Card.
  • Proof of income i
    2 recent wage/social welfare slips.
  • Bank Statements i
    3 months Bank Statements to run back to back and finish within the last 3 months. Bank Statements are required if this is your 1st loan or total loan balance exceeds €10,000.
Apply through Email or in the Office 2

Apply through Email or in the Office

Download the loan application form from our website and email it back to our lending department with the required documents. Email to lending@linkcu.ie

Alternatively, you can call into any of our offices, pick up a loan application form which you can complete at home and pop it into our dedicated loans drop box.

Loan Approved 3

Loan Approved

A member of our lending team will contact you to discuss your application. Loan decisions are normally made within 2 working days.

Join us 1

Join us

You will need to become a member of Link Credit Union to apply for a loan. You can do so by clicking on the below link.

Please note: All loans are subject to approval. T&C applies. 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.

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Loan calculator

Want to know how much your repayments would be? Use our loan calculator below.

Loan Type

Select a loan from the drop below.

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Whilst every care has been made in the production of this information, it is for illustrative purposes only, so as to give you an overview of the potential cost of borrowing. It does not constitute a loan offer. Link Credit Union Ltd., or any of its staff, cannot be held responsible for any omissions, errors or other mistakes made.

Contact us today

Alternatively, if you have a query and wish to speak to one of our dedicated loans team you can get in touch with us by clicking on the options below.