Loans Bills Loan

Bills Loan

Spread the cost of large bills over 12 months with Sarsfield Credit Union's Bills Loan

Our Bills Loan is designed to help you spread the cost of household bills over 12 months, taking the stress out of recurring costs like car, home & medical insurance, property and road tax etc.
Let us know how much you'll need over the year (between €500 and €5,000) and once approved, we'll make that amount available for you to access as required throughout the year.
Click here for our loan calculator to calculate your monthly repayments.

Benefits of borrowing with us

  • Fast easy access to your funds.
  • Sarsfield Credit Union makes a cheque payable to the bill provider on receipt of the bill.
  • No set up charges, early settlement charges or hidden fees.

How do I apply for a Bills Loan?

For existing members

To get your Bills Loan* today, please choose one of the following options:

For fast approval of a standard loan please provide:

  • Proof of Income (3 most recent payslips or social welfare receipts).
  • 3 Months Bank Statements. (including the most recent transactions)
  • 3 Months Credit Card Statements.
  • Your consent to undertake an Irish Credit Bureau check with your loan application.

Loans are subject to approval. Terms & Conditions apply*.

Not a member?

If you are not already a Member of Sarsfield Credit Union, you can easily open an account at our branch in Glentworth Street.

Please bring the following documentation with you:

  • Photographic ID (e.g. a current Driving Licence or Passport)
  • Proof of Address (e.g. a utility bill, government letter or bank statement dated within the last 6 months)
  • Proof of PPSN (e.g. Public Services Card, Medical/Drugs Payment Scheme Card, P60, P45, or correspondence from Revenue)
  • If not living in the area, proof of working in the area

Joining is Easy! It takes about 20-25 minutes.

To be eligible for membership of Sarsfield Credit Union you must fall into one of the following categories:
  • Live within our common bond area
  • Work in Limerick City
  • A family member who was a member of the Arch Confraternity
  • Live with a relative that is already a member

Bills Loan Terms & Conditions*

  • Maximum term is 12 months.
  • Maximum loan amount is €5,000.
  • Member will be asked to complete an estimate of bills for the year.
  • Weekly payment is recommended for this loan product.
  • You can avail of 1 top up during the term, but it cannot extend beyond the 12 month term.
  • The full amount of the loan is drawn down and lodged into a sub account.
  • Payment is made by cheque to the bill provider through the credit union, once bills are supplied by the member.

Representative Example

Borrow €2000 over 12 months, repay €40.86 per week, total amount payable (including interest of €124.33) is €2124.33. APR is 12.68%.

Contact Us
  • Sarsfield Credit Union
  • Tel: 061 317 910
  • Fax: 061 319 731
  • Email:
  • Web:
  • Address: Glentworth Street, Limerick
Contact Us
  • Tel:
  • Fax:
  • Email:
  • Address:
  • 061 317 910
  • 061 319 731
  • Glentworth Street, Limerick
Opening Hours
  • mon
  • tue
  • wed
  • thu
  • fri
  • 10:00-16:00
  • 10:00-16:00
  • 10:00-16:00
  • 10:00-16:00
  • 10:00-17:00

We are open throughout lunch.
Call in and talk to us today.

Follow Us
Find Us here:
Sarsfield Credit Union Ltd is Regulated by the Central Bank of Ireland. Reg No. 166CU