Green loan
Borrow for home energy upgrades, electric or hybrid cars, and bicycles if you qualify for membership in the Waterford-area credit union.
Questa opportunità è attualmente disponibile in inglese.
You can fund boiler upgrades, replacement doors and windows, solar panels and other renewable-energy upgrades, attic, floor, wall and pipe insulation, sustainable water or heating systems, energy-efficient home controls, or a deep retrofit combining home improvements.
Transport purchases include fully electric or hybrid cars, electric bikes and bicycles. Bicycle trailers and bicycle safety wear qualify when bought with a bike.
This is borrowed money that you repay with interest. The published variable interest rate is 5.99%, so it can change. Journi illustrates a €20,000 loan over five years with 60 monthly repayments of €386.56 and total repayment of €23,193.78, including €3,193.78 in credit costs. Missing repayments puts the account into arrears and can affect your credit rating and future access to credit.
Eligibility
You must qualify for Journi Credit Union membership by living, working or studying in its common bond area: the Waterford Metropolitan District, comprising Waterford City south, east and west and Tramore, plus the parishes of Ferrybank, Slieverue, Glenmore, Mullinavat, Kilmacow and Mooncoin. The part of Mooncoin parish west of a north-south line through Mooncoin Catholic Church is excluded.
For membership, provide photo ID, proof of address dated within the last three months and proof of your PPSN, your Irish Personal Public Service Number.
For a loan, Journi lists photo ID, proof of address dated within the last three months, proof of PPSN and one recent payslip. For unsecured loans, you also need three months of recent current-account bank statements; if you have a mortgage, Journi may request a recent mortgage statement. Self-employed applicants need two years of accounts signed by their accountant, plus the latest Revenue assessment notice or an accountant’s letter confirming that their tax affairs are up to date.
How to apply
- Stato
- Aperto continuamente
- Restrizioni del bando
- Journi Credit Union membership and a lending decision are required.[^c3][^c4]
New members can complete Journi’s online membership application and upload their documents through its joining page.
Apply through the online loan application at https://apply.journicu.ie/, which the Green Loan page offers without logging into online services. You can also apply by calling 051 861 600, visiting a branch or using your online account. Journi’s lending team will discuss the supporting documents needed and contact you with its decision by email or phone.