Terms & Conditions

• Subject to underwriting criteria, terms and conditions
• Maximum Loan Amount €100,000
• 1 Month Minimum Term
• Maximum Term of loan 10 years - term of loan to match purpose
• Repayment Frequency - Weekly, Fortnightly, Monthly
• Loans are insured up to €75,000 at no direct cost to all eligible members
• Loans in excess of €75,000 may require (at the discretion of Dubco) appropriate loan protection or life assurance for the duration of the loan. Any such policy would have to be assigned to Dubco
• Loan can be topped up
• If a loan application is such that it may not be approved by Dubco due to the personal circumstances of the member, additional security may be required in the form of a minimum level of pledged shares, and/or a person that guarantees the loan (Guarantor). This Guarantor would ideally be a member

*Representative Example: A €10,000 loan over 5 years (60 monthly repayments) at a variable interest rate of 8.57% (8.91% APR) has a monthly repayment of €203, total interest of €2,156 and a total cost of credit of €12,156.

Warning: 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.