Loan term usually ranges from 12 months to 84 months. However, it depends upon the loan amount and the individual's financial profile. Short-term loans typically have higher repayments but less interest in total. In contrast, the longer term has affordable monthly instalments.
The interest rate is generally fixed when the loan repayment starts. Sometimes a need occurs when you want an alteration in the rates due to unavoidable circumstances. For that, you need to contact our support team early. We'll try to review your loan account.
We share a personalised loan offer based on your personal details and credit profile. It is done once you complete your online application. The offer will clearly show the interest rate, APR and monthly instalments. You can go through them before accepting.
You have a second chance to apply for a loan despite poor credit. We usually consider your current monthly income and affordability, instead of your past credit score. It won’t affect your credit score. Apply now to check your eligibility.
Once you get the loan approval and sign the loan contract, we transfer the funds to your bank account on the same day or within 24 hours. If some delays happen, then it will be on the next working day for sure.
You can use the loans at Mycreditbucks for almost any financial purpose. It may include consolidating debts, managing emergencies, home improvements, holidays, education, or funding life events.
Contact our representatives immediately by calling or emailing them. You can share any confusion or doubts with them, and they will instantly work on your concerns. Our purpose is to resolve your complaints transparently.
For a personal loan, you can choose the repayment tenure between 1 year and 5 years. It allows for managing loan instalments without disturbing the household budget. You may opt for a smaller term to end the loan early, but the interest rate will be higher.
It is very easy with us. Contact our support team if you want to amend or change the direct debit. Our representative will guide you thoroughly on the process so that you won’t have any problem in repaying the loan on time.
Missing the repayment will incur additional charges. It will affect your credit score, too. Therefore, you should contact us immediately if you think that a repayment may be missed this month. We will arrange the best possible options and help you to stay on timely repayments.
As a responsible loan provider in Ireland, we understand that salary days may differ among individuals. You need to keep in touch with us. We will review your request to confirm the repayment date that suits your monthly income.
It may happen to anyone due to unwanted circumstances like unemployment. Therefore, you should ignore the problem of not being able to make the loan instalments. Contact us early, and we will work on the temporary payment solutions to review the repayment plans.
Moving abroad does not impact the loan agreement as such. It will remain valid. However, you should be responsible for making timely repayments. At the same time, it may require updating your contact and bank information before leaving Ireland to avoid any confusion.
We usually confirm the interest rate before you accept the loan offer. Once you submit the online loan application, we will provide a comprehensive loan quote where we mention the interest rate, APR and total loan cost.
We give you two options to track your personal loan status: a secure online portal or email updates. Our representatives work 24/7, so if you want to know the loan status, they will keep you updated.
There are no additional or hidden charges. The entire loan cost, including interest rate and late repayment charges, is clearly mentioned in the initial loan quote. You always know that you are paying.
Suggestive interest rates are mentioned on our website. However, the final rate will be decided after analysing individual circumstances. Once you apply online for a loan, we offer a personalised loan offer showing the actual interest rate and repayment amount.
Verifying your monthly income and employment status requires the submission of a few documents. These include the latest payslips, bank statements or the company's details to confirm the income that you are getting. These proofs help us to offer you the most suitable and affordable loan offer.
To apply online for a loan at Mycreditbucks, you generally require providing identity proof, address proof, recent salary slips and bank statements of the last 6 months. You can upload these documents to speed up the loan approval and fund transfer from us.
It sometimes happens due to some technical issues. You can contact our loan representatives, and they will guide you immediately. They suggest alternative ways to share the documents securely.
You should double-check all the details and their accuracy. If the issue persists, contact our support team. We'll help you in completing the online application and getting the desired loan deal.
Once you click on the submit button, changing your personal details may be difficult. But you mail us quickly so that we can update your application soon before processing it further. It also avoids any delay in the loan approval.
Most of the time, we accept only individual loan applications because they are faster to process. We can also analyse each loan application carefully and offer an affordable loan.
Yes, of course. At Mycreditbucks, you can reapply for a loan if your initial application has been declined due to changed circumstances. However, we suggest you review your finances before reapplying to make your application stronger this time.
It is very simple to apply for a loan at Mycreditbucks. You can complete a small online form, which is secure for uploading the documents as well. You usually receive an instant loan decision. Sign the loan contract digitally, and receive your desired funds disbursed directly to your bank account.
