Unexpected expenses can come as a surprise to you when you are in a tight corner. It is not easy to have wiggle room in your budget to cope with these expenses. Thankfully, there are small loans in Ireland.
Small loans are the short-term version of personal loans, which bring urgent funds when you have little or no emergency cushion. You can also fund your small one-off purchases, such as unexpected bills.
From us, the minimum amount you can borrow is €1000, and the maximum is €5000. These are unsecured loans, which means you are free from the compulsion of submitting an asset to secure the borrowed money. They are also known as cash loans, as they are available with flexible payments and manageable interest rates. As a responsible lender, we will loan you only when you seem to repay the debt on time.
We will likely be your best bet because of the following loan features:
You can use these loans to fund your personal expenses, but they may not suit your business expenses. We have specialised offers on small business loans if your company struggles with adequate returns.
When it comes to your personal finances, our short-term loans are ideal for:
Whether you come across high energy or medical bills, you can use our small loans at good interest rates. You will get quick funds as they are not subject to a hard credit check. The decision will be made on your income sources. These loans are also called small payday loans in Ireland.
You usually cannot get a small loan from a direct lender for significant debts to clear. We provide these loans worth up to €5000 to help you consolidate your current debts when you cannot tackle them to pay them off. You can borrow the money worth the outstanding debt and use it to pay them off once and for all. Then, you will only have a small loan to repay over time.
You can use our small loans to finance planned expenses. Whether you need money for your wedding or for home improvement, you can easily use our quick cash loan in Dublin or any other place in Ireland. Get personalised deals that will not let you fall behind payments, provided you spend money cautiously until the debt settlement.
Warning: If you do not make timely payments, your account will go into arrears. This will attract late payment fees and affect your credit rating.
Getting a small loan is very simple when you choose us. There are no specific conditions involved. Rather one can get approval based on individual affordability. We want you to repay the loan from your monthly income, not your savings.
Given below are the criteria to obtain the best deal available on small loans with us:
| A small loan worth €1000 | A small loan worth over €1000 | |
|---|---|---|
| Credit check | Only soft credit checks (leave no search footprints) | Your credit report will be checked with a soft assessment |
| Instalments | Weekly fixed instalments | Monthly fixed instalments |
| Loan term | One month | Between six and 36 months |
| Processing fees | Nil | Nil |
| Late payment fees | €8 | €15 |
| Cooling-off period | For up to 24 hours | For up to 7 days |
Never feel disappointed when you have constant financial issues. The solution is in the form of small loans on which bespoke deal is already waiting for your application. Do not be late, apply now.
No, small loans here are not expensive at all. You will get these loans from us at the most competitive interest rates, even if you borrow a smaller sum. The following table will explain how interest rates vary by loan amount.
| Loan amount | Interest rates |
|---|---|
| €1,000 | 14.2% |
| Up to €2,000 | 12.7% |
| Up to €3,000 | 10.4% |
| Up to €4,000 | 8.2% |
| Up to €5,000 | 6.5% |
The actual interest rates may vary from these figures because of your credit history and repaying capacity. You can get lower interest rates with a strong credit rating and income sources.