First Time Borrower Loan

Available to all members who do not currently have a loan with Wicklow and District Credit Union Ltd.

The First Time Borrower Loan is designed for any Wicklow and District Credit Union Limited member who has no borrowing history or who hasn’t borrowed in over three years with us and who meets the financial qualifications to support the loan application. Our First Time Borrower Loan, like our Personal Loan, can be taken out for most purposes imaginable.

  • 6.9% Variable Interest Rate (7.14%APR)
  • Available to new and existing members


  • Must not have an existing loan with Wicklow and District Credit Union Ltd
  • Only available to each member once
  • Apply for a First Time Borrowers Loan within minutes at the counter, over the phone or via our website. Proof of Income must be supplied for all amounts.
  • Flexible Repayment Schedule  – Choose between weekly, fortnightly or monthly repayments.
  • Loan protection insurance at no extra cost * (T&C) Get a built in insurance with the First Time Borrowers Loan.

Why not check out a personally tailored repayment plan for yourself  just click here and select First Time Borrower Loan on our Repayment Calculator

If you’re not already a member, simply get in touch about joining and we’ll take it from there.