Life can be unpredictable, and sometimes your expenses don’t line up perfectly with your income. That’s where our overdraft facility can make all the difference.

With an overdraft from First South Credit Union, you can gain access to a flexible, short-term credit option designed to act as a financial cushion when times get tight.

Why choose an FSCU Overdraft?

• A Cushion You Can Rely On
  Whether it’s an unexpectedly high bill or an unplanned expense, an overdraft provides ready support, giving you extra breathing room when you need it most.

• Only Pay for What You Use
  With our overdraft, you only pay interest on the amount you actually use. If your overdraft limit is €1,000 but you only spend €100, you’ll only be charged interest on the €100.

• No Hidden Fees
  We believe in transparency. That’s why there are no unexpected charges when you use your overdraft, and you’ll always know exactly what to expect on your account.

• A Revolving Facility
  Your overdraft is typically approved for 12 months. If you stay within your approved limit, we may automatically renew it for your ongoing convenience.

Key Overdraft Features

• Borrow up to €5,000.
• Interest rate of 12% – cheaper than banks.
• Quick and easy application process, with options to apply online, over the phone, or in your local branch.

Apply and Manage Your Loan Online

Our secure online application process makes everything easier. You can do it all from the comfort of your home. No forms to print, no long waits, and no need to visit in person.

Benefits of E-Signatures

Quick and Simple:
You can apply and get your loan entirely online without stepping outside the door.

No Paperwork Required:
Everything is done digitally, saving you time and hassle.

Safe and Secure:
We use advanced security systems to keep your information private.

Additionally, through open banking, you can securely link your bank account and provide any required details with just a few clicks. This feature saves time and ensures the process is seamless.

How to Apply for an Overdraft

Applying for a Overdraft with FSCU is simple. Members can:

Apply Online: Members can use our online portal to apply anytime, anywhere.

Call Us: Reach out at 021-4965134 for assistance.

Visit Us: Drop by any FSCU branch to get started.

If you have any questions about a Loan or need more information, please contact us. We’re always happy to guide you and make the process as smooth as possible.

Important Information

Please note that overdrafts are subject to approval based on your financial status and repayment capacity. The maximum overdraft limit is €5,000, and a  facility fee of €25 per annum or per overdraft sanction (whichever is more frequent) applies.

Terms and conditions apply, and overdrafts are available only to members over 18 years of age.