6.5% Switch & Save Loan
6.5% Switch & Save Loan
Switch one or more higher interest EXTERNAL loans (incl. credit cards) up to a max. of €75,000 across to us and enjoy a rate of just 6.5% (6.7% APR). No minimum loan amount applies!
Loan Application Process
It's as easy as it gets
Step
1
Become a Member
Join ANSAC Credit Union and avail of numerous tailored benefits, outstanding customer service and amazing community
Step
2
Calculate your Loan
Estimate how much you could borrow and calculate your repayments: weekly, fortnightly, or monthly using our online calculator
Step
3
Apply for Loan Online
Apply for your loan from the comfort of your home with our new online loan application. Upload all your loan documents through our mobile app - no paper no stress!
Step
4
Sit back and relax!
Voilá! You are done! Our team are now reviewing your application, we will be in touch shortly to confirm your loan application.
Get a FREE Loan Insurance
Loan Protection Insurance is the insurance cover the Credit Union provides on the lives of its borrowing members.
Loan Calculator
Apply for a loan today with interest rates that suit you!
Maximum Loan Term :
6.7%
6.7%
6.7%
Borrow up to €75,000 Can be for individual loans / a combination of loans (incl. credit cards) Loan term of up to 10 years Loans may be subject to stress testing which will require: 3 most recent monthly bank statements, payslips, statements of all debts to be combined and a completed Income and Expenditure Form. Top ups will not be granted on this loan product. Funds will be paid directly to the financial institution(s) from which the loan(s) are being switched. In the event of an interest rebate this loan product will be excluded.
Benefits of our loans
See some of our many loan benefits below
Representative Example
Loan Amount
€10,000
Rate of interest - APR
6.7%
Loan Term
5 years
Total interest
€1,738
Montly Repayment
€196
Total Cost of Credit
€11,738
- Become a member at Ansac CU
- Lodge savings into your account for 4 consecutive weeks.
- Apply Online
- Submit statements of all debts to be combined.
- Copy of 3 most recent payslips (if stress tested)
- 3 months of bank statements (if stress tested)
- Additional information may also be required
Loans FAQs
Apply for a loan today with interest rates that suit you!
Currently we offer car loans, annual loans, standard personal loans, special secured loans, welcome loans, debt consolidation loans and home renovations loan. You can read about these here.
Yes, we will lend to you for an imported vehicle provided you supply us with a copy of the log book within 3 mths of loan issue.
Upon qualification for your car loan, a cheque is payable to garage/car dealership. Alternatively, a copy of the log book must be supplied to us within 3 months of the loan being issued.
Typically, you will be stress tested if seeking an unsecured loan above €7,000.
To allow us to determine your ability to repay a requested loan, you must submit proof of income and your three most recent monthly bank statements.
In the case of a request for a home renovations loan in excess of €75,000 we will consider it on a case by case basis. Call our office on 018554489 to speak to one of our loan officers directly.
Yes, you are required to present a builder’s quote for at least 75% of the value of the loan being sought.
For all our current loan offerings Members have a choice of Fixed or Swift Rate loan repayments. With our fixed loan repayments Members loan repayments are the same each month. Of their monthly repayment, the majority is offset against the loan and interest. However, a designated portion of their repayment also goes into the Members shares. As their loan balance reduces, the portion going to their shares increases.
With our Swift interest loan repayment rate, repayments are also fixed. However unlike for our fixed loan repayment rate, the portion of repayments going into shares, for Members who select this option, remains static throughout the full loan term. Members who chose this rate will pay off their loan faster but will have less shares when they’ve finished paying off their loan.
For loan applications above €25,000 applicants are required to fill out a declaration of health form. We email or post this out to them along with their loan application form. They must then fill this out and return it fully completed and signed along with their application form by email or post.
