From your PC, tablet or smartphone, you can apply for a loan online in a matter of minutes.
Just tell us how much you’d like to borrow, punch a few numbers into the loan calculator, then sit back and relax.
We’ll take it from there. And, in most cases, we’ll be back to you to complete your application and check your details.
Of course, if you prefer, you can call in to our office, and we’ll help you with your application. If you’re already a member, you can also apply by phone on 090 96 43179.
First, we’ll want to know a bit about you.
We’ll then be in touch with you to find out more about you and your finances.
For instance, to make sure we have your details up to date, and to get information about your household’s income and outgoings. After all, it’s important to know that anyone we lend money to has the ability to repay it.
Loan applications will be considered promptly and in the strictest of confidence. It is our policy to turn around loan decisions without undue delay. Loan applications can be made for any purpose such as Car, Education, Home Improvements and Special Occasions such as Holidays, Weddings etc.
You can also apply for a top–up on an existing loan at any time. You don’t have to repay one loan in full before applying for another.
For larger loans the credit committee may insist on other security such as assignable insurance policies or a legal charge on a property. Guarantors may also be sought by the Credit Committee to support the loan application.
Should the member fail to repay the loan, there is a legal obligation on the guarantor to repay the loan.
A Credit Agreement, once signed, is a legally binding contract between the member taking out a loan and Ballinasloe Credit Union Ltd. The agreement contains the Terms and Conditions under which the loan will be issued and under which it must be repaid by the member.
By signing the Credit Agreement, a member agrees to be bound by its terms and conditions.
