Frequently Asked Questions

You can borrow between €1,000 and €900,000 with us. The exact amount you're offered will depend on your individual circumstances, including your income, existing debts, and credit history.

Our representative APR is 3%. However, the rate you're offered may vary based on your individual circumstances. We'll always show you the exact rate before you commit to anything.

You'll receive an initial decision within minutes of completing your application. If we need additional information, our team will contact you promptly.

Once your application is fully approved and you've signed your loan agreement, we aim to transfer funds to your bank account within 24 hours.

When you first apply, we only perform a soft credit search, which doesn't affect your credit score. A full credit check (which may impact your score) is only performed if you decide to proceed with your application after receiving your initial quote.

To apply, you must be between 18 and 75 years old, be a resident of Ireland, have a regular income, and have a valid bank account, email address, and phone number.

Yes, we consider all applications, including those from people with less than perfect credit histories. We look at your full financial picture, not just your credit score. Each application is assessed individually.

No, you don't need to be a homeowner to apply for a loan with us. Our loans are unsecured, meaning they're not tied to your property.

Yes, we welcome applications from self-employed individuals. You'll need to have been self-employed for at least 2 years and be able to provide evidence of your income.

Yes, you can repay your loan early at any time without any early repayment fees. You'll only pay interest up to the date of repayment, which could save you money.

Repayments are made automatically via Direct Debit from your bank account on your chosen payment date each month. This ensures you never miss a payment.

If you're struggling to make a repayment, please contact us as soon as possible. We may be able to help by adjusting your payment date or discussing other options. We're committed to treating customers fairly, especially those in financial difficulty.

Yes, you can request to change your payment date. Simply contact our customer service team and we'll do our best to accommodate your request.