If you have an existing personal loan or credit agreement with a bank or other lender and wish to avail of Ballina Credit Union Switcher rate apply today.

By switching your loan to Ballina Credit Union, you can avail of our Switcher Rate of 6% (6.18% APR) or Switcher Plus Rate of 7.50% (7.80% APR) for additional finance.

Note: Minimum of 70% of the Switcher Plus loan issued must relate to the switched credit.

You can use our loan calculator below to find your ideal payment plan and loan term.

Estimate your loan repayments

Loan Calculator

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APR 11.00%

APR 11.00%

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Loan Enquiry

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What We Require From You
1

Outgoings

  • 3 months bank statements (most recent)
  • Mortgage statement (if applicable)
2

Proof of Income

  • Employed - 3 most recent payslips
  • Self employed - Most recent set of accounts and most recent set of tax returns/Form 11 OR notice of self assessment
  • Social Welfare - 3 recent payment receipts
  • Retired – Proof of all pensions
3

Identification

  • Photo ID – Driving License/Passport
  • Proof of Address – Utility Bill, Bank Statement (dated within the last 6 months)
  • Evidence of PPSN – Medical Card, Payslip, P60
Lending criteria

Switcher Loan

  • Loans are required to match approval or loan term to be switched. Standard underwriting documents & Credit Agreement/Loan Statement.

Switcher Plus

  • It is our responsibility to all members to ensure that we only lend members’ money to other members when it has been established that there is an ability to repay the loan. A borrower must be able to afford the loan repayments, including interest, over the full duration of a loan.

Loan Term

  • The maximum term for our Switcher/Switcher Plus Loan is 10 years.
How to apply

Apply


If you are an existing registered member, you can make a full application online via our CU Online+ service or Ballina Credit Union app. If you are not a member you can join us today.

Online Banking Log In Register

Please note: Terms and Conditions apply. Loans are subject to approval. Ballina Credit Union is regulated by the Central Bank of Ireland. 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.

If you would like more information on applying for a loan with Ballina Credit Union please contact us today.

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