We know making a decision on whether to get a loan or not and figuring out repayments within an existing budget can be hard to do.

We aim to make the decision as easy as possible. There are no hidden charges and you will know your repayments from the start.

We hope our FAQs cover the usual queries that arise but, if you are unsure about anything feel free to contact us.

Our contact details are on the end of this page.

Simply apply online via our online high cost credit application form
A loan can’t be advanced to a new customer until 7 calendar days after the completion of the application for the loan.
We never approve, process and transmit credit the same day
Loan applicants must be
18 or more years of age
Permanent resident of Ireland
Provide valid proof of identity, proof of address, proof of expenses, and proof of income
Loans are subject to affordability
Opening hours are Monday to Friday 9 - 5 pm
However responses to queries and applications are usually 3 business days
Processing of a loan application is usually 5 business days
Photo ID is required to confirm proof of identity. The following proof of ID are acceptable
• Passport
• Driver’s Licence
Proof of Address dated within the last 6 months
•Bank statement
•Utility bill
•Revenue statement
Proof of Income dated within the last 3 months
Payslip or dept of social welfare cert.
This is needed to help verify your disposable income and ability to repay the loan

If you require this credit to pay for accommodation, food, electricity, heating, medication or other similar costs, availing of credit from a high cost credit provider may not be in your best interests.
You can find more information on the Money Advice and Budgeting Service website at www.mabs.ie, including in relation to the debt counselling services of the Money Advice and Budgeting Service.
If you would like to take time to consider your options prior to completing a credit application further, please do so.
A High cost credit provider provides a loan in excess of 23% APR on the total amount paid back. For more information see https://www.citizensinformation.ie/en/money-and-tax/personal-finance/loans-and-credit/moneylending-in-ireland/
Contact us on info@rossbrofinancial.ie to discuss repayment options. We will see what we can do to help.
You can also contact https://www.mabs.ie/en/ for independent advice.
High cost credit is provided via a High cost credit agreement with an APR in excess of 23%. This is high-cost credit. Consider alternative options before applying for this credit, including alternatives from other lenders regulated by the Central Bank of Ireland.
A loan can’t be advanced to a new customer until 7 calendar days after the completion of the application for the loan.
We never approve, process and transmit credit the same day