Member First Credit Union Loans

Loans from a lender you can trust.

Whether it’s buying a new car, financing your education or renovating that lovely home, we help you achieve a variety of goals for all your personal needs. Our online and mobile banking now makes borrowing even easier. 


Why get a Loan with MFCU

Quick Loan top up with the MFCU mobile app or desktop.

Apply for a loan from the comfort of your home. 

We’re always here to help. Call us or use Live Chat. 

Pay less overtime as your balance decreases.

Built in insurance in case on extreme circumstances.

T&C apply.

Ways to apply for a loan

Apply for a loan within minutes from the comfort of your home by following these simple steps. (Become a member now to get online banking)

1) Download MFCU mobile app or Login / Register on our website.

2) Just go into the Loan Application and choose the kind of loan you want and fill in all the details. — (End To End Loans Launching soon)

3) Upload all the requested documents.

4) All done! You should hear from us soon about your loan decision.

Learn more about Online Banking.

Just call our dedicated Loans team on (01) 851 3400, and we’ll promptly start processing your application.

You’re always welcome to visit any of our North Dublin branches to apply for a loan. Check our updated list of opening hours.

Loan Calculator

Check your repayments now.

What Our Members Say


Most frequent questions and answers

You are eligible for a membership if you fall within our common bond.

Member First Credit Union’s common bond is as follows:


-The total population of Artane, Ayrfield, Beaumont, Coolock, Donaghmede, Donnycarney, Drumcondra, Marino, Raheny, Swords, North William Street and their immediate surrounding areas.

Employees of local companies situated within the common bond area of Member First Credit Union.

Local schools within the common bond area of Member First Credit Union including primary, secondary, and third-level colleges.

-The existing members of Member First Credit Union and their families and friends.

If you fall within any of these criteria, you are eligible to join. If you’re still unsure, just give us a call at (01)8513400 and we’ll help you out.

To apply for a loan from Member First Credit Union you will need to be a member. But once you join, you can apply for a loan straight away. You are eligible to join once you are part of our common bond.


No, as long you’re a part of the common bond, you can use any of our branches

You don’t need to have any savings with us to be approved for a loan. Loan approval is based on your credit history and ability to repay the loan.


A full overview of our Branch and Member Service Centre (Phone Lines) opening hours can be found hereYou can reach us on (01) 851 3400.

Outside of these hours, you can email and we will respond to your query in due course.

You can also contact us using the live chat button at the bottom.

From time to time these hours may change slightly to allow for staff training, bank holidays, or extenuating circumstances. If you are unsure if a branch may be open on a certain date, you can check the news section of our website. Any branch closures will be detailed here.

To get access to your Member First Credit Union account online, you’ll first need to register. Once you’ve completed the application, a confirmation email will be sent to the email address you have provided.

Your new PIN number will be sent to you by secure SMS, so it’s important that you have your contact details up to date. Once you have received your PIN, you can login to CU Online right away. You will also receive a One-Time Passcode (OTP) to your mobile number each time you login for enhanced security.

With Online Banking you will be able to transfer funds, view and print statements, and check account balances.


While some loan applications require more documentation than others, below is a general idea of what you will need to provide before we can process your loan application.

– Three months bank statements (if you have a bank account)

– Photo Identification

– Evidence of PPS Number (Public Services Card not accepted)

– Proof of Income*


(if you’re employed: three concurrent recent payslips;
if you’re self-employed: Tax returns for the last 2 years and Tax Clearance Certificate;
if you’re retired: proof of pension (receipt or bank statement);
if you’re unemployed: proof of social welfare payments (receipt or bank statement)

*additional paperwork may be required

Once your loan is approved, upon collection you may need to present;

Current Proof of Identity & Current Proof of Address

Member First Credit Union will consider loan applications from members for any worthwhile purpose.


Each application is treated in the utmost confidence and will be considered on its own merits. With each application, we take into consideration your income and outgoings and base your ability to repay the loan on these figures.

Open our Loan Calculator to view the repayments necessary for different loan amounts and loan types. This can give you a good idea of how much you can afford to borrow.