Estimate your loan repayments

Loan Calculator

I'd like to borrow:
Loan term (years):
Loan term (months):
Loan term (years):
Loan term (months):
Loan term (years):
Loan term (months):
Loan term (years):
Loan term (months):
Loan term (years):
Loan term (months):

APR 11.00%

APR 11.00%

Repayment Summary*:










Loan Enquiry

Your loan details have been captured and will be submitted with your enquiry.

I consent to submitting my information in agreement with the terms and conditions of the Privacy Statement on this website.
What We Require From You

Income & Outgoings

  • 3 months bank statements (most recent)
  • Employed - 2 recent pay slips
  • Self-employed - Most recent set of accounts and latest tax returns OR Notice of self-assessment

Credit Check

  • We will look at your credit file together. You will require access to your credit file.
  • i.e. Clear score, Credit Karma. This is done via a zoom call or an office appointment.
  • Don’t worry, we know you are more than your credit score.


  • Photo ID – Drivers License/Passport
  • Proof of Address – Utility Bill/Bank Statement dated within the last 3 months
Lending criteria


  • Clear end date to when you will be debt free
    One monthly repayment
    Lower interest rate than your original debt - 18%
    Lower monthly payments
    Your debts are paid directly by us.

Ability to Repay

  • It is our responsibility to all members to ensure that we only lend members’ money to other members when it has been established that there is an ability to repay the loan. A borrower must be able to afford the loan repayments, including interest, over the full duration of a loan.

Free Loan Protection Insurance*

  • *Provided by the Credit Union to Eligible Members.
Apply for a Debt Consolidation Loan today

How To Apply

Applications welcome from existing members with a good borrowing history.

Please note: if you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.

If you would like more information on applying for a loan with 1st Alliance Community Bank contact us today.

Contact Us