At MFCU, we know our members’ time is precious. So, to help you get the most out of your credit union account, we have improved our loan process to let you apply and manage your loans fully online. You can apply at a time that suits you, in the comfort of your own home. Our branches are still open but really, with online banking, there’s no need for branch visits!

HOw to apply

Apply online

Apply Online

To apply online, you firstly need to login to your MFCU account on our website or mobile app.

It is important to note that your account must have fully up-to-date proof of address and ID before applying for an end-to-end loan.

Loan Documents

Loan Documents

As part of this process you will need to upload documentation to support your application. Please ensure you have your ID, proof of address and some recent payslips ready before continuing. You may also be asked to provide bank statements.

You must decide your preferred terms of the loan such as payment frequency or the loan period before uploading relevant documents.

Loan Decision

Loan Decision

An MFCU loans officer will contact you by phone in regards to the application. If approved, you will then have to sign your credit agreement on your online account. Signing a health declaration may also be required in some circumstances.

Funds Drawdown

Funds Drawdown

Once the credit agreement is signed, along with an ECCU insurance form, the loan funds will be transferred straight into your bank account.

ways to apply

online banking
Over the phone
In your branch

Benefits of
mfcu loans

Online loans

Apply for a loan from the comfort of your home.

Reduced interest

Pay less overtime as your balance decreases.

Online Top Up

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

Full support

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

Loan protection

Built in insurance in case on extreme circumstances.
T&C apply.

THE Loan Zone


How much can I borrow?

We offer loans up to €75,000 and mortgages up to €350,000. Check out your loan repayments on our loan calculator here or on our mortgage calculator here.

What kind of loan is easiest to get?

Our loans are assessed based on the applicant’s proven ability to repay. Our loans team take each application at an individual basis and base their loan decision on your credit and savings history.

How can I apply for a loan?

You can apply for a loan online through your online account, over the phone or by visiting an MFCU branch. Please visit our ‘How to Apply’ page here to find out what documentation you’ll need to start the application process with us.

When will I receive a decision on my loan application?

We aim to contact members about a loan decision within 24 hours of receiving the application.

How soon will I receive the money?

As soon as you receive a successful loan decision, we will send the money straight to your bank account. The funds should be with you within 3-5 working days.

Other Services

Online Banking

MFCU online gives you easy access to your credit union account through our Online Banking options.

Peopl. Insurance

Peopl. Insurance brings a new type of insurance based on the collective power of ordinary people coming together to change things.

we’re here to help

Lending criteria, terms and conditions apply.
Member First Credit Union is regulated by the Central Bank of Ireland.

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.