How To Apply

Applying for a loan in EDCU is very straight forward

We make every effort to ensure that the process is efficient and quick & when you call our office you will deal immediately with an experienced loan officer who can help you with all your needs.

Many loans can be approved automatically.

If you would like a loan you can follow any one of these easy steps:

  • Request a loan application on our Enquiry page
  • Download a loan application form from our Downloads section
  • Call the office at 1850 44 31 31 and talk to a member of staff about your borrowing requirements

With a 98% approval rate we pride ourselves in providing an outstanding service.


Borrowing with EDCU…

  • Allows you to do the things you want to do.
  • Competitive interest rates with flexible repayment terms.
  • Interest is calculated on the reducing balance. Remember, the quicker you clear your loan, the less interest you pay.
  • No Fees and No Penalties if you repay your loan early.
  • Free Loan Protection Insurance, your loan is cleared in the event of your death or permanent disability (terms and conditions apply).
  • When your loan is cleared, you will still have your savings.
  • For Motor Loans, you own the vehicle straight away. No lease and no hire purchase. You are effectively paying with cash to bargain your way to a better deal.


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 affect your ability to access credit in the future.