Loan App – East Coast Credit Union

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Unique ID (from Lead)

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Status

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APR

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Are you a member of East Coast Credit Union?*

Yes

No

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Contact Details

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Name*

Prefix First Last

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Email*

Please enter your personal email address.

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Phone*

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Applying for a loan requires processing of your personal data.*

By ticking the box I consent to the Processing of my data, which may include sensitive data, for the purposes of reviewing this application in accordance with the Privacy Notice

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Consent

I agree to the terms and conditions for access to and use of the Credit Union website and web forms and to the Processing of my data, which may include sensitive data, for the purposes of reviewing this application in accordance with the Privacy Notice

Personal Details

Please fill in your Date of Birth*

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Do you know your membership number?

Yes

No

Please enter your membership number:

Please enter your PPS number*

Please use all capital letters

Marital Status*

Are you applying as a couple?

Single application

Joint application

Employment Status*

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Employment Code 1

Triggers docs for full or part time emploument

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Employment Code 2

Triggers docs for self employment

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Employment Code 3

Triggers docs for unemployed, student, retired

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Emp Code

Sum of employment codes. Passed via url to Doc Upload

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Please enter your home address

Address Line 1 Address Line 2 Town County Eircode Country

Living Situation*

Home Owner

Tenant

Living with Parents

Other

Years living at home address*

If resident for less than 3 years please supply previous address

Previous Address

Address Line 1 Address Line 2 Town County Country

Your Employment Details

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Employment Status Form

Employment Type*

Occupation*

Employer Name*

Employer Address*

Address Line 1 Address Line 2 Town County Country

Time in current Employment (in years)*

Your Income

How often are wages paid into your account?*

How much are your wages after tax?*

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Monthly Wages*

Please enter your combined monthly income as a couple after tax or deductions*

Do you receive any additional income(s)?*

No

Yes

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Autoadvance income control

Hides submit button if 0

Please make sure to answer all the above questions to proceed.

Additional Incomes

Please list additional incomes and the monthly amount received from them here. Use the "+" symbol to add more income types.

Income Type

Monthly Amount

Do you receive any rental income?

No

Yes

How much monthly rental income do you receive?

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Allowable Rental Income (75%)

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Total Monthly Income

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Total monthly income for API

Your Outgoings

Monthly Liabilities

These are fixed payments you make every month such as mortgage, rent, insurance, PCP, loan repayments etc. You can add additional types by clicking the "+" symbol beside the amount field.

Expense Type

Monthly Amount

Do you have a credit card?*

Yes

No

What is the balance of your credit card?

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Credit Card Balance expense at 5%

Do you have any children or dependants?*

Yes

No

Number of Dependants and/or Children

Please enter any monthly childcare costs (if any)

Creche, childminder, etc.

Based on the information you have provided, it looks like you're eligible for this loan.
Please note: the eligibility check is not a guarantee of a loan decision.

Based on the information you have provided, your affordability is close to the limit, so we may need a bit more information to move forward.
Please note: the eligibility check is not a guarantee of a loan decision.

Based on the information you have provided, it looks like your affordability is currently above our recommended limit. However, a member of the loans team will review the information supplied and will be in contact in due course.
Please note: the eligibility check is not a guarantee of a loan decision.

Would you like to quickly review the loan details?*

You can check the amount your applying for, stated loan purpose and term or you can continue to fill out the form.

Yes

No

A loan of over a year period would cost € per month at a variable rate of :% (APR %).

The cost of credit is € and the total amount repayable is {:80}.

Variable rates may increase which would cause the cost of credit to increase. The maximum loan term for online and in-app applications is 5 years. The minimum loan duration varies depending on the type of application, such as in-branch or online.

Loan Application Amount

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Calculated Rate

Term of Loan (in months)

Repayment Frequency

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Monthly Repayment

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Monthly Cost of Credit

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Fortnightly Repayment

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Fortnightly Cost of Credit

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Weekly Repayment

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Weekly Cost of Credit

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Cost of Credit

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Total Amount Repayable

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Total Monthly Liabilities

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Monthly liabilities for api

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Total Monthly Commitments

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Interest Rate

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Monthly Interest Rate

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Debt Service Ratio

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Debt Service Ratio is Green

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Debt Service Ratio is Amber

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Debt Service Ratio is Red

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Topic

Declarations and Consents - please read carefully before submitting

Below, the terms ‘we’ or ‘us’ refer to the Credit Union.

Below is important information relating to your application. Please do not submit an application before reading all the information carefully.

l hereby apply to the Credit Union for a Personal Loan subject to the Loan Terms and Conditions of the Credit Union. By ticking the box I confirm that I have read and understood the Terms and Conditions.

Before we can proceed with your application, your account must be up to date. Please confirm the following:*

I confirm the above

If your Proof of Address or ID is out of date, or your account is dormant, please contact us on freephone 01 286 2624 to resolve.

Credit Checks

We’re required under the Credit Reporting Act 2013 to share your credit details for loans of €500+ with the Central Credit Register, and we may check your credit history as part of your application. By applying, you authorise these checks.

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

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credit union id

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Required Monthly NDI per Application

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Additional Monthly NDI per dependent

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Total Required NDI

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Maximum Debt Service Ratio (%)

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Maximum Monthly Repayment

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Maximum Monthly Repayment ECHO

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Maximum Allowable Monthly Repayment

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Maximum Monthly Repayment for Calculation

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NDI Rule Applied

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DSR Rule Applied

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Both Rules Satisfied

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Lesser of Rules

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Maximum Borrowing

The maximum monthly repayment you could afford is:

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Based on the information provided the maximum monthly repayment you could afford is:

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Over a term of 12 Months

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Over a term of 24 Months

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Over a term of 36 Months

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Over a term of 48 Months

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Over a term of 60 Months

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Description for Hive

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URL for Secure Doc Upload