HOME LOANS MOTOR LOANS AGRI LOANS PERSONAL LOANS GENERAL INFO Lending is our Business Lending Credit Unions in the Republic of Ireland are regulated by the Central Bank of Ireland. the Central by regulated Unions in the Republic of Ireland are Credit 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 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. House Renovation Loan Our Dedication to YOUR Renovation HOME LOANS HOME 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 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. Mortgage Home Loans 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 LOANS MOTOR 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 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. ‘Green’ Motor Loans Available for Hybrid and Electric Vehicles only. 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 LOANS AGRI 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 Borrow LOANS PERSONAL €50,000UP TO OVER 7 YEARS YOUR LENDING PARTNER Education • Holiday • Christmas • Weddings • Personal For all your lending needs 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. 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 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. General How to Apply for a Loan 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. INFO GENERAL • 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.