Lending Brochure

Home , Clarecastle, Ennis, Kildysart, Kilmihil, Lissycasey, Sixmilebridge

HOME LOANS MOTOR LOANS AGRI LOANS PERSONAL LOANS GENERAL INFO

Lending is our Business

Credit Unions in the Republic of Ireland are regulated by the Central Bank of Ireland. Dear Member, The Vision of our Credit Union is to ‘Strive and provide for the financial needs of our Members in a Co-operative and Professional manner’. Our Lending and Decision-Making Process is key to us achieving this Vision. At St Francis Credit Union, Lending is our Business and WE ARE THE DECISION MAKERS! Sincere thanks for your continued support.

LOUIS FAY, CEO ______

WHY from Your BORROW CREDIT UNION?

We pride Highly ourselves on Face to Face Local Customer Service Interaction Loan Decision Qualified and putting our providing a Lending Members Personal Touch Making Process FIRST Officers

Free Quick Loan We Know Protection & Decisive our Members Insurance Decision (Terms and Conditions Making apply).

Our 97% Loans are Flexible of all loan Tailored to Competitive meet the Members Lending Interest Rates applications are Financial Needs and Terms approved Circumstances

 065 682 8305  [email protected]  www.stfranciscu.ie  

Ennis, Clarecastle, Kildysart, Kilmihil, Lissycasey, Newmarket-On-Fergus, Sixmilebridge and Tulla

NEW% VARIABLE 8.9 RATE Borrow BETWEEN €25,000 & €50,000Borrow up to 10 Years

Amount Borrowed Term WEEKLY €25,000 REPAYMENTS APR Cost of Credit €35,000 €72.55 10 years €12,721.80 €50,000 €101.57 9.30% €145.09 Variable €17,810.52 €25,446.76

 065 682 8305  [email protected]  www.stfranciscu.ie  

Ennis, Clarecastle, Kildysart, Kilmihil, Lissycasey, Newmarket-On-Fergus, Sixmilebridge and Tulla

Borrow €175,000UP TO

Interest rate is set at 5% (5.12%) forOVER at least the first25 5 YEARSyears of the loan. Included is Free Loan Protection Insurance (Terms and Conditions apply subject to meeting qualifying criteria).

Warning: If you do not keep up your charges if you pay off a fixed rate loan cured Housing Loan over 20 years at repayments you may lose your home. early. 5.12% APR is €659.96 per month. The Warning: The cost of your monthly Maximum Loan to Value (LTV) is 90% total amount payable is €158,408.57 payments may increase. of market value of property for first representing a cost of credit of Warning: If you do not meet the re- time buyers and 80% of market value €58,408.57. Note: The 5.12% APR is payments on your loan, your account of property for non first-time buyers. fixed for the first 5 years, after which will go into arrears. This may effect Maximum Loan to Income is 3.5 the APR reverts to variable. The effect your credit rating which may limit times gross primary income. of a 1.25% increase in interest rate for your ability to access credit in the fu- Representative Example: The cost such a mortgage will add €70.98 to ture. Warning: You may have to pay per month of a typical €100,000 Se- the monthly repayments. Motor Loans

WEEKLY MOTOR LOANS REPAYMENT €46.12 Borrow UP TO €10,000 BORROWED OVER €175,000 5 YEARS COST OF CREDIT €1,991.00 Interest rate is set at 5% (5.12%) for at least the first 5 years of the loan. Included is Free Loan Protection FREE Insurance (Terms and Conditions apply subject to meeting qualifying criteria). VARIABLE RATE 7.5% (APR 7.78%) CARTELL CHECK ON REQUEST

 065 682 8305  [email protected]  www.stfranciscu.ie  

Ennis, Clarecastle, Kildysart, Kilmihil, Lissycasey, Newmarket-On-Fergus, Sixmilebridge and Tulla

St Francis Credit‘Driving’ Union a

Greener Environment

VARIABLE RATE 6.9% (APR 7.14%)

 065 682 8305  [email protected]  www.stfranciscu.ie   Ennis, Clarecastle, Kildysart, Kilmihil, Lissycasey, Newmarket-On-Fergus, Sixmilebridge and Tulla *For a typical €10,000 loan over 5 years on a variable interest rate of 6.9% (7.14% APR), weekly repayments will be €45.48 and the cost of credit will be €1,822.98. All loans subject to approval . T&Cs apply. WARNING: 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. Credit Unions in the Republic of Ireland are regulated by the Central Bank of Ireland. Agri Loans

St Francis Credit Union Proudly Supporting

Our Farming Members AGRI LOANS

Contact: Damien Browne Agri Financial Advisor 065 6828305

VARIABLE RATE 6.55% (APR 6.75%)

 065 682 8305  [email protected]  www.stfranciscu.ie   Ennis, Clarecastle, Kildysart, Kilmihil, Lissycasey, Newmarket-On-Fergus, Sixmilebridge and Tulla * For a typical €25,000 loan over 7 years on a variable interest rate of 6.55% (6.75% APR), weekly repayment will be €85.61 and the cost of credit will be €6,157.69. All loans subject to approval . T&Cs apply. WARNING: 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. Credit Unions in the Republic of Ireland are regulated by the Central Bank of Ireland. Agri Loans

Borrow €50,000UP TO OVER 7 YEARS

Repayments are tailored to suit your financial circumstances. Borrow for the following purposes:

Farm Farm Stock Working Capital/ Machinery Buildings Purchase Cash Injection

 065 682 8305  [email protected]  www.stfranciscu.ie   Ennis, Clarecastle, Kildysart, Kilmihil, Lissycasey, Newmarket-On-Fergus, Sixmilebridge and Tulla * For a typical €25,000 loan over 7 years on a variable interest rate of 6.55% (6.75% APR), weekly repayment will be €85.61 and the cost of credit will be €6,157.69. All loans subject to approval . T&Cs apply. WARNING: 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. Credit Unions in the Republic of Ireland are regulated by the Central Bank of Ireland. PERSONAL LOANS  

If you do not meet the repayments on your loan, your on your If do not meet the repayments you LENDING

For all your lending needs all your For PARTNER

Personal Loans Personal

YOUR YOUR • Personal • Holiday • Christmas • Weddings Education WARNING: WARNING: T&Cs apply. . All loans subject approval to in credit your ability to access limit which may rating your credit affect may This arrears. will go into account Bank of Ireland. the Central by regulated Unions in the Republic of Ireland are Credit the future. Ennis, Clarecastle, Kildysart, Kilmihil, Lissycasey, Newmarket-On-Fergus, Sixmilebridge and Tulla Sixmilebridge and Newmarket-On-Fergus, Kildysart, Clarecastle, Kilmihil, Lissycasey, Ennis,  www.stfranciscu.ie  065 682 8305  [email protected]

UP TO

OVER 7 YEARS

Borrow

€50,000 Loans Secured By Shares

WEEKLY REPAYMENT €44.79 €10,000 BORROWED OVER 5 YEARS COST OF CREDIT € 1,642.91

VARIABLE RATE 6.25% (APR 6.45%)

 065 682 8305  [email protected]  www.stfranciscu.ie  

Ennis, Clarecastle, Kildysart, Kilmihil, Lissycasey, Newmarket-On-Fergus, Sixmilebridge and Tulla

Branch: Call into any of our 8 branches spread through-out the County. Telephone: Call our Lending Department at 065 682 8305. Online: Applying online at stfranciscu.ie.

Loan Application Documentation Requirements

PERSONAL LOANS*: • Photographic ID and Proof of Address.

• 3 Months recent Bank Statements. GENERAL INFO • 3 Payslips or Social Welfare Slips.

SELF EMPLOYED LOANS*: • Photographic ID and Proof of Address. • 2 years most recent set of Trading Financial Accounts. • Notice of Assessment or Form 11 for the last 2 years. • Tax Clearance Certificate or Confirmation regarding Tax position. • 3 Months Bank Statements (Personal and Business).

*Additional Documentation maybe required.

Top-Up loans A Member can apply for a Top-up loan on an existing loan at any time. A Member does NOT have to repay one loan in full before applying for another loan. However, St Francis Credit Union urges our Members to make reasonable repayments before re-applying for Top up loans.

Warning – This loan may take longer to pay off than your previous loans. This means you may pay more than if you paid over a shorter term.

 065 682 8305  [email protected]  www.stfranciscu.ie  

Ennis, Clarecastle, Kildysart, Kilmihil, Lissycasey, Newmarket-On-Fergus, Sixmilebridge and Tulla

All loans subject to approval . T&Cs apply. WARNING: 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. Credit Unions in the Republic of Ireland are regulated by the Central Bank of Ireland.  0656828305[email protected] www.stfranciscu.ie the future. Credit ofIreland are Unions intheRepublic regulated by theCentral BankofIreland. account will go into arrears. This may affect your credit rating which may limit to accessyour ability credit in to approvalAll loanssubject . T&Cs apply. WARNING: Ennis, Kilmihil, Lissycasey, Clarecastle, Kildysart, Newmarket-On-Fergus, and Sixmilebridge Tulla

Newmarket Sixmile- Ennis Lissycasey Clarecastle Tulla Kildysart Kilmihil on Fergus bridge

Friars Walk, Credit Union Barrack Street, Main Street, Credit Union Main Street, Main Street, Church Street Ennis, House, Clarecastle Newmarket House, Tulla Kildysart Kilmihil Co. Clare Decomade, Co. Clare on Fergus, Sixmilebridge, Co. Clare Co. Clare Co. Clare Lissycasey, Co. Clare Co. Clare Co. Clare

 065 682 8305 If youIf donotmeetthe repayments onyour loan,your

 [email protected]

M 10-5 10-1 10-1 10-5* 1-5

Tu 10-5 1:30-5 10-5* 1-5   W 10:30-5 10.30-5* 1-5

Th 10-5 10-5* 1:30-5 10-5* 1-5

Fr 10-7:30 2-7:30 10-5* 10-5* 9:30-7:30* 10-5* 10-7* 10-5*

Sa 9:30-2 9:30-1:45 10-2 10-1 9:30-1 11-1:30

* (Closed for Lunch)