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.

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Why our Bills Loan is different

You are not just another customer you are a Member.

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

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

To help you calculate your monthly expenditure on those large household bills, please download the spreadsheet below.

Annual Household Bills Spreadsheet

Loan Calculator

Calculate your loan repayments

Maximum Loan Amount :
Maximum Loan Term :

€

Required Loan Term

Repayments
€
APR
12.68%
Repayments
Total
Total Cost
Apply Now
€
APR
12.68%
Repayments
Total
Total Cost
Apply Now
€
APR
12.68%
Repayments
Total
Total Cost
Apply Now
€
APR
12.68%
Repayments
Total
Total Cost
Apply Now

This calculator is for illustrative purposes only, to give you, the borrower, an overview of the potential cost of borrowing. The Credit Union, or any of its staff, cannot be held responsible for any errors. Please note that this calculator only provides an indicative quote and actual repayments may vary.

Representative example

Loan Amount

€2,000

Rate of interest - APR

12.68%

Loan Term

1 year

Total interest

€124.33

Weekly Repayment

€40.86

Total Cost of Credit

€2,124.33

Requirements

What documents you need to apply

For existing Members

  • 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

We may request additional documentation from you to support your loan application. (If required)

*For your first loan with us we will need 6 months statements.

Apply Online

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.

  • 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. Medical/Drugs Payment Scheme Card, P60, P45, or correspondence from Revenue)
  • If not living in the area, proof of working in the area

We may request additional documentation from you to support your membership application. (If required)

Contact Us

It’s easier and quicker to apply for a loan when you are a Sarsfield Credit Union Member.

Loans are subject to approval. Terms & Conditions apply.