How to Apply for a Loan

What must I bring when making an application

• Photo ID & Proof of Address. We are constantly updating our files, bringing these ensures we have your information correct and up to date.
• Proof of income. Please bring your 3 most recent payslips, or 3 most recent social welfare receipts.

If you are borrowing more that €15,000 above your shares, you will need to provide the following:

• Your last 3 Months current account statement. We can accept an online version.
• Your last 3 Months credit card statements (If applicable).

If you are self employed, you will / may need to provide the following:

• Your tax clearance cert, from Revenue.
• Your most recent set of accounts.
• Bank statements both personal and business.
• Letter from your accountant, stating your income.
• Self Assessment form from Revenue

Please do not hesitate to contact us on 01-2862624 or info@braycu.ie with any enquiries.

Bray Credit Union Limited is a member of the Irish Credit Bureau.

MORE Reasons why a Credit Union Loan Makes Sense

• Interest is charged on the reducing loan balance - you only pay on what you owe.
• No interest is charged on interest due - unlike some other institutions.
• Life Savings and Loan Protection Insurance automatically provided on members savings and loan balances at no extra cost to the member (conditions and limits apply) (Details on Loan Protection and Life Savings Insurance)
• Loans can be tailored to the member’s needs.
• Repayments may be rescheduled if difficulties arise.
• The flexibility to make larger repayments than agreed at no penalty.
• Additional Lump Sum repayments accepted at no penalty.
• Loans can be issued on the spot or within days depending on the size/purpose.
• Each application is treated in confidence on its merits.
• We will ring you with a decision on your loan application