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Credit Union

  • 20-03-2018 11:32pm
    #1
    chloed123
    Registered Users Posts: 13 ✭


    Hi guys, no bashing please - just a genuine question. So basically, I need a loan of €700 urgently this week. I have a credit union account, but haven’t saved with them in over a year and I’m pretty sure I have like €5 in my account.
    Do you think they will give me the €700 loan, if I provide my employment details, etc? I had a loan with them before and paid that off without any hassle. Thanks in advance!


Comments

  • #2
    Stheno
    Moderators, Business & Finance Moderators, Science, Health & Environment Moderators, Society & Culture Moderators Posts: 51,688 Mod ✭✭✭✭Stheno


    All you can do is apply?


  • #3
    chloed123
    Registered Users Posts: 13 ✭chloed123


    @Stheno That’s true! I screwed up with the bank a few years ago, when I was 18 so can’t turn to them there as my credit rating isn’t the best since.
    Hopefully the credit union will help me out as I don’t want to have to turn to loan shark/payday loans etc!
    Thanks!


  • #4
    punisher5112
    Registered Users, Registered Users 2 Posts: 24,644 ✭✭✭✭punisher5112


    Could you as a complete back up ask for a upfront on wages.

    Don't go loan shark road.

    Credit union are now as hard as a bank to get a loan and look for at least 3 months of bank statements and any other bill such as credit card etc.

    If your credit rating is bad it's going to be extremely unlikely.


  • #5
    chloed123
    Registered Users Posts: 13 ✭chloed123


    @punisher5112 Thanks for your reply! I could do that, because I work part time I don’t think I will get it though!
    Even though, I repaid my last loan with CU and no problems? I can try anyways, all they can say is no!


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