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Quick Loans for Little Financial Roadblocks

You may find yourself needing a little additional cash when financial emergencies pop up. Be it an overdue bill or plumber fees, quick loans in Ireland can help with ticking over until you get on top.

These loans are also known as 24 hour loans in Ireland, as you can apply them at any time and get funds within 5 minutes after the processing of your loan. The entire process until the funds are transferred to your bank account takes place in an hour, hence called cash loan in 1 hour in Ireland.

There are three types of quick loans:

MyCreditBucks offers quick loans at lower interest rates than other lenders. Do you want to test it? Click here...

What Credit Score is required for Quick Cash Loans in Ireland?

A credit score has been a vital benchmark to decide if you can afford quick cash loans in Ireland, but we emphasise your income sources to determine the lending amount.

It is possible to fall behind the repayment despite a good credit score. What if you lose your job and you do not have money in savings to clear dues?

We emphasise your repaying capacity more than your credit score than other lenders. Therefore, we accept applications from people with bad credit ratings and offer the loan at competitive interest rates.

These loans do not require a guarantor, so you can call them as quick loans in Ireland with no guarantor.

The following explains how the APR varies by your credit score:

Credit Score Average APR
Excellent 10.2%
Good 15.8%
Average 45.2%
Bad 112.9%

*Note that this is an example. You will get to know the actual APR when you apply for the loan.

My Income Comes from Government Benefits. Can I Apply for Easy Loans?

Since we emphasise your repaying capacity, you must have a strong income source. To qualify for easy loans in Ireland, you must be able to submit your income proof.

  • If you are a part-time or full-time employee, a lender will need your payslip.
  • If you are self-employed, you will need to submit an income statement for the previous year.

But you may need to borrow money when you are under the spell of unemployment. You can qualify for online loans in Ireland, provided you are on benefits. Your benefits will serve as an income source.

No lender will lend you money if you have only savings as you cannot use them to pay down the debt. You must be on benefits, or you must have passive income.

If your business has recently taken a bath and you need money to fund a project, you can apply for fast loans in Ireland, but you need to meet the following criteria:

  • You must have an income source apart from your business. It can be passive income as well, like rent.
  • You must prove that you are investing in a profitable project. We may ask you for a detailed business plan.

If you need a large funding source, unsecured personal loans in Ireland will be an ideal solution for you.

How much amount can I borrow?

When applying for quick loans in Dublin or any other place in Ireland, you must wonder how much you can borrow. Some lenders let you borrow between €100 and €1,000.

Contrary to mainstream lenders, MyCreditBucks will let you b orrow a higher amount. Our loan deals start from €1,000 that can go up to €3,000.

Since the loan size is big, you will pay down the debt in instalments that can be weekly or monthly, depending on your borrowing amount.

Can I back out after applying for small loans in Ireland?

Cancelling a loan is not always a feasible option. This facility is generally given when you take out a big loan like personal loans in Ireland. Such loans provide you with a cool-off period of about 14 days.

The scenario is not the same when you take out small loans in Ireland. If you have suddenly changed your mind after putting in the loan application, you can cancel it without paying any fees.

If you regret borrowing money and want to cancel the loan agreement, you can do it within a week.*

*It depends on individual circumstances whether you can cancel the loan agreement or not. MyCreditBucks can take money back under exceptional circumstances only. If you are unsure, you should cancel it before you enter into the agreement.

What should I do to find cheap loans in Ireland?

Each lender charges different interest rates, and hence it is requisite to find a lender that offers it at the most affordable interest rate. Finding cheap loans in Ireland should not be difficult at all. You need to research the right questions before borrowing money.

Although a lender will analyse your repaying capacity before approving your loan, you should also ensure whether you can repay the debt. Research the following questions so as not to regret later.

You cannot sit back if things seem normal at this stage. An affordable deal can turn out to be an expensive one if you fail to pay back the loan. You should make a budget for your loan payments, so you do not face difficulty in repayments.

Why do our customers love MyCreditBucks?

We have served a lot of borrowers so far, and we are proud to see that our borrowers have chosen us over mainstream lenders. What most customers love about us is:

Do you need money to fund an emergency? Apply now for quick loans in Ireland here

Frequently Asked Questions

All your queries will have an answer from our financial experts.

How quickly can you get a quick loan in Ireland?

Quick loans in Ireland are small loans. You can get it the same day you put in the application. All you need to do is fill in the application form and submit your income documents. The lender will quickly analyse your repaying capacity and send you a loan agreement. When you sign the agreement and send it back to the lender, you will get money in your bank account within 5 minutes.

Can I apply for a quick loan using my smartphone?

Yes, you can apply for these loans through your smartphone. Our website is mobile-friendly. You can easily navigate from one page to another. Applying for quick loans with smartphones is as user-friendly as using a laptop pr desktop. All you need to do is fill in the form and submit it.

Are quick loans more expensive than other small loans?

Quick loans are also small loans, so the interest rates are more or less the same. However, they are cheaper than payday loans. Another reason for these loans to be more affordable is that they allow you to repay in instalments.

Can I apply for quick cash loans with a very poor credit rating?

If you have a very poor credit rating, most of the lenders will not sign off on your application, but MyCreditBucks does that. We will analyse your repaying capacity and affordability to decide the lending amount.

What if I struggle to pay off the debt?

If you cannot repay the debt on time, let us know before the due date so that we can revise your repayment schedule. We will look into your financial situation to come up with a repayment plan that suits your budget.

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