Do you need a set of wheels? Chat to us about our competitive car loans to get you on the road.

Our Loan benefits

There are many Benefits of taking a Car Loan with us instead of a Bank

  • Competitive interest rate
  • Approval in 24-48 hour
  • No deposit required
  • No lump sum payment
  • You own the car immediately
  • Available for new or used cars
  • No extra fees
  • Flexible payment schedules
  • Free loan insurance
  • Repay early option with no penalties
  • No inflated payments

How our Loans Compare

How our Loans Compare based on a €15,000 Car Loan over 5 years

People First Credit Union

Monthly Repayment €307.24
Total Amount Repayable €18,434
APR *8.43%


Monthly Repayment €311.01
Total Amount Repayable €18,660
APR 8.95%

Permanent TSB

Monthly Repayment €309.92
Total Amount Repayable €18,595
APR 8.8%

Information correct as at 09/01/2019. *8.43% Interest rate includes 10% loan interest rebate. Whilst every care has been made in the production of this information,

it is for illustrative purposes only and to give you an overview of the potential cost of borrowing at People First Credit Union.

Loans are subject to approval. Terms and Conditions apply. For more information contact us on 057 8622594

Car Loan

Spanking New or Vintage, we've got a loan for you with no balloon payments or hidden fees!

Calculator is based on our current lending rates and is only intended as an indication of payments. Lending is subject to a credit assessment. Terms and Conditions Apply.
Car Loan
Loan amount € 500 APR* = 9.2 %
  • Loan Amount € 500
  • Monthly Payment €0
  • Loan Term 1 Years
  • Total Repayments €0
  • Total Cost of Credit €0

Please note:

This web page is for illustrative purposes only, so as to give you, the borrower, an overview of the potential cost of borrowing. Whilst every care has been made in the production of this web page, the Credit Union, or any of its staff, cannot be held responsible for any omissions, errors or other mistakes made.
By clicking APPLY NOW I agree to Terms & Conditions here

Contact information

Are You a Member of People First Credit Union?

Flexible loan schedule

Pay off your loan early with NO penalties, NO fees, Nothing !

Speed and convenience

A decision on your loan will be made quickly.

Low Interest Rate

Loans suited to you that are affordable, stress fee and quick !

No fees or charges

Sick of paying bank fees? Switch your account to us and pay ZERO fees

Personal attention

We care about our members and pride ourselves on our member service

What Do I Need To Apply?

Please read below to see what we will need for your application.



  • Proof of PPSN (Payslip, document from Revenue or Department of Social Welfare)
  • 2 recent receipts of any income you receive (this may include payslips, social welfare receipts, children’s allowance receipts, pension receipts).
  • If you are Self Employed we would look to see your most recent Form 11 Notice of Assessment and your most recent set of audited accounts.



  • 3 months up to date bank statements, dated as close to the application date as possible, (your statements should show your income and any mortgage/rent or loan payments that you may have).
  • If you are Self Employed we would require 6 months up to date business bank statements in addition to statements for your personal account.



  • Photo ID (Passport or Drivers Licence)
  • If you are married/cohabiting, we would also look to see income details and financial statements (listed above) for your spouse/partner.
  • If you are applying for a student loan we require proof of your course, we may also ask a parent to go as guarantor on your loan.
  • If you are switching your loans to us we would ask that you provide a 6 month statement on the loans/credit cards to be switched.