Apply Online

The easiest and fastest way to apply for a loan is:

  • Apply on the St. Paul’s Garda Credit Union APP, or
  • Apply online via your online account

(If you are using a mobile device it is best to download and use the St. Paul’s Garda Credit Union APP).

This is a paperless application, you can upload supporting documentation online and sign your Credit Agreement and ECCU Health Insurance Declaration online with e-signature.

Ensure you upload all supporting documentation at the time of application to avoid delays.

Or contact us to tailor a loan to suit you

  • Call us on 021 4313355
  • Enquire online and we will call you to complete the application – Enquire Now
  • Send an email to us at

New members are eligible for borrowing immediately. The amount you can borrow will be determined by your ability to repay.

Ensure you provide all supporting documentation with the application to avoid delays.

How to Apply?


The fastest way to apply is on our Mobile App or via your online account.

Call Us

Call us during office hours on 021 4313355.

Email Us

Send an email with your loan details to us at

Visit Us

Call into our office in Cork with all your required documentation.

Supporting Documentation

Speed up your loan application by having the following loan supporting documentation available.

Supporting Documentation required for

  • Share Covered Loans

  • Loans where the net exposure is less than €5,000, or

  • Members who got their last loan in the previous 6 months and their circumstances have not changed

  • Proof of Income e.g. 2 Pay/Pension Slips

Note: ID and Address must be up to date as described above.

Supporting Documentation required for all other loan types

  • 3 months recent bank/mortgage** statements
  • 2 Pay/Pension slips for applicant (and spouse/partner where applicable)
  • Self-employed income – most recent set of financial accounts
  • Evidence of other income e.g. rental income

** Mortgage Statement showing Mortgage paid up to date or statement of the bank account used to pay the mortgage (if applicable)

Note: ID and Address must be up to date as described above.

General Loan Application Terms and Conditions

  • You must be over 18 years of age
  • The term of the loan is matched to the purpose (e.g. Car Loan is up to 5 years)
  • Some or all of your Shares, at the time of loan application, are pledged as security against the loan
  • A credit check is completed on all applications
  • Each application is considered on its own merits and repayment capacity verified
  • All loan interest rates are variable and can be repaid at anytime without penalty
  • Security may be required
  • Interest is calculated on the outstanding balance on a daily basis
  • Loans can be repaid Weekly, Fortnightly or Monthly

3 reasons to use OPEN BANKING







Security   –

Your bank statements are securely shared with us. No need to print or send them to us.

Simplicity   –

Share your statements in a couple of clicks. No need to print or order statements from your bank.

Speedy   –

Instant access to your statements reduces delays for faster approval and draw down of your loan.