A Christmas loan is a short-term personal loan designed specifically to help cover holiday expenses. Whether you need funds for gifts, travel, or festive celebrations, a Christmas loan offers a flexible solution to make your holiday season stress-free.

Yes, as per Irish League of Credit Unions, most credit unions offer Christmas loans. As one of the largest credit unions in Ireland, we offer Christmas loans to all our members living within our common bond (North Dublin).

You must be a Member First Credit Union member or live, work or study in our common bond to apply. If you are not yet a member and based in Artane, Northside, Raheny, Trinity, or Swords in North Dublin, you can become a member to apply for a Christmas Loan.

Credit unions, including Member First Credit Union, typically offer loans based on your financial circumstances and ability to repay. A Christmas loan, which is a form of personal loan, can range from €500 to €75,000. The exact borrowing amount is determined after reviewing your income and financial history to ensure the repayment plan fits into your finances. If you’re a member and want to check your eligibility, call us at (01) 851 3400 or fill out the application form so we can connect with you.

Yes, Member First Credit Union offers flexible repayment options for Christmas loans. You can choose a repayment term that fits your financial situation. Speak to our loan advisor at (01) 851 3400 to learn more about the repayment terms based on your specific requirements.

You will need proof of ID (IRP card, driver’s licence, or passport), proof of address (utility bill or bank statement), PPS number, and recent payslips. If necessary, we may ask for additional financial documents to further assess your application. Having these documents ready will speed up the approval process, allowing you to access your loan faster.

Using the Member First Credit Union Christmas Loan Calculator allows you to quickly estimate how much you can borrow and your monthly repayments. Simply enter your preferred loan period and payment frequency during the online application process. The calculator will help you compare different repayment options, so you know exactly what you’ll be paying based on your selected repayment cycle.

Applying for a MFCU Christmas Loan online is quick and easy. Simply complete the MFCU Christmas Loan application online, upload the required documents, and submit your application. Our team will review your application and contact you if additional information is needed.

At Member First Credit Union, we review each application individually and consider more than just your credit rating. Our team will work with you to find the best solution for your financial situation, ensuring you have the funds you need for your Christmas festivities. Contact our loan advisor at (01) 851 3400 to discuss your unique situation.

Absolutely! We allow you to repay your loan early without penalties or additional fees. This flexibility enables you to save on interest and repay your loan faster if your financial situation allows.