Long-term Loans

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Long term loans in Ireland are one of the debt forms paid off over an extended period, usually greater than one year. These loans are best to serve your needs that require a hefty amount such as education fees, buying a home, increasing working capital, purchasing a car, a big investment, and so forth. If you are looking forward to financing your big needs, you have come to the right place.

Features of our long term loans in Ireland:

  • Unlike short-term loans, long-term loans carry higher disbursal limit.
  • These loans come with both fixed and variable rate of interest.
  • These loans require collateral submission because of high disbursal amount.
  • Repayment happens in equal instalments spread over a considerable period.
  • Interest rates are much lower than short-term loans.
  • You can take advantage of earlier repayments

Can you take out long term loans for bad credit?

Even though you have a poor credit report, direct lenders do not deny lending you short term loans, but it becomes the most significant reason for rejection of your long term loan application. Many lenders look over your credit history and deny disbursing funds, as they doubt on your reimbursement capacity. Well, if you have tried it all the way, do not give up hope. Credit Lender provides long term loans for bad credit.

Bad credit borrowers are eligible to apply for long term loans because they require collateral submission. If you fail to pay your instalments and you continue to make defaults regularly, we reserve the right to sell your secured asset to release funds.

Eligibility criteria:

  • You must be at least 18-years-old.
  • You must have an income source.
  • You must be a resident of Ireland.
  • You must have a bank account.
  • You must have collateral (regardless of your credit history).

The application procedure is simple and straightforward. You will put in an application online. Then, we will ask you to submit your income statement and a list of collateral that you may want to put against the loan. We will assess your incomings and outgoings to ensure that you can pay the whole of your debt on time along with your regular expenses. We always secure your loan against valuable security that is equivalent to the loan amount.

Please note that funds will be disbursed if we are certain about your repayment capacity. If your income statement is not robust enough, we hold the right to disapprove your loan application. We are responsible lenders and hence, we lend money only if you can afford. Our transparent policy will not let you fall into a vicious circle of bad credit long term loans.

Fixed vs. Variable Interest Rates

Long term instalment loans come with both fixed and variable interest rates. Former loans do not require any change in the rate of interest throughout the tenure of the loan. You will pay back the whole of your debt at the same interest rate that was finalised during disbursal regardless of the fluctuations. However, the latter requires you to pay your outstanding balance on the fluctuated interest rate.

Fixed interest rate loans are better options when you anticipate a rise in interest rates in future. However, if you anticipate that interest rates will decline, it is better to choose variable interest rate loans. So make a decision carefully to save your money as much as you can.

Our long term loans are much more affordable than traditional lenders. No matter how much your score is, we will make all possible efforts to back up you financially.

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