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Credit Union Loan

  • 25-10-2017 8:38pm
    #1
    sohappy
    Registered Users, Registered Users 2 Posts: 665 ✭✭✭


    Hi all I would be greatfull for some advice.
    I had a home improvement loan with my local credit union at 11.56%apr, A couple of months ago I needed a top up loan for some more works, They were advertising a new rate for home improvement loans of 7.22%apr, I was told that I could not avail of the new rate as it was a top up loan, also I had to keep repayments at the current level at the time of 700pm,
    I did not query it at the time as I was just glad to get the extra cash to finish the work.
    Being a credit union and seen as they say on their home page that it's all about "the customer" and that they are "not for profit" do you think if I went back to them that its possible to get them to restructure the loan?
    Probably grasping at straws here...

    Ps.good credit rating never missed a payment.


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