Can I repay my short term cash loan early?

Yes of course we would be delighted with that, to repay your short term cash loan earlier, please call us on 019020888

Can I add additional requests for another loan?

No, you cannot until the amount is cleared in full.

What if I can’t pay my loan on time?

You should call us straight away on 019020888. We can offer a range of options to customers having difficulty repaying, and we’ll try to deal with your situation in a respectful and helpful way.

If you let us know you can’t repay on time, we will try to set up a repayment arrangement with you. Firstly you will have to fill in an income and expenditure (I&E) form which will be sent to you. This will help assess the best way forward dealing with a change in your personal financial circumstances. We will try to facilitate an affordable and flexible payment plan.


If you feel you’ll benefit from free, independent money advice, you can contact the following agency:

Money Advice Bureau

MABS Helpline – 0761 07 2000, Monday to Friday from 9 a.m. to 8 p.m.


Telephone: 076 107 200


What is our contact number?

You can speak to customer care by calling 019020888. We’re here 8.30am-18.00pm, Monday to Friday.

Is there extra charges or late fees?

Our loans are straight forward with no hidden fees, weekly repayments, collection charges or late fees.

How do I add a new debit bank card?

You can add a new debit card by contacting our office during office hours and adding it with one of our care team.

What if I change my Address, Employment, Financial Status changes?

If you have moved or are in the process of moving job or home, please notify Umbrella Credit LTD by phone on 019020888 or by email on  as we will need to match the addresses with your bank and employer also.  If your financial status changes please notify your agent or our office on 019020888.

How much money can I borrow?

If you want a short term cash loan, you can request between €100 to €600. We sometimes loan larger amounts but you would have to have long track record with us and to show regular payments on your loan.

Some more things to think about?

We set individual application limits as part of our commitment to responsible lending. They are not designed so you can rapidly increase the size of loans, and approval of your next application is never guaranteed. The amount of money you are able to apply for may change and we will always carry out our usual checks, including a credit check, when you apply for a loan. Please not our loans are not designed as a continual source of credit and will be unsuitable if you need to borrow for a longer period.

How much does an Umbrella Credit LTD loan cost?

Simply select how much you’d like to borrow and the amount of weeks you wish to repay it back. Before you apply, we’ll show you exactly how much you have to repay including interest each week.

We will never ask you for a fee to process your loan application. We are aware of several sophisticated online scams involving companies impersonating legitimate lending institutions. Never apply for a loan from a entity that is not authorised by the Central Bank of Ireland. ALWAYS check the official Central Bank Website to see if the firm is authorised by the Central Bank of Ireland. The register of authorised firms can be accessed at

Further information in relation to fraud can be found at

Do we at Umbrella Credit LTD carry out credit checks?

Yes, we carry out a credit check as part of our decision-making process. For full details about how we share information with credit reference agencies, please see our Privacy Policy.

We use the following credit reference agencies that we use are

Irish Credit Bureau D.A.C

ICB House,
Clonskeagh Road,
Dublin 14,
D14 PX09

Please ensure the information you provide in your application is true, accurate and complete so we can make an informed lending decision and are able to assess whether the loan is suitable. 

What if I have bad credit?

We carry out a credit check as part of our decision-making process, so if you’ve got a poor credit record it may affect our decision. We offer a solution for urgent and short-term cash needs and our loans are not designed as a continual source of finance or for dealing with existing financial problems. If you’re worried that you’re sinking into a bad debt situation, please don’t apply.

To give yourself the best chance of acceptance, make sure you give us as much information as possible – and ensure that it’s accurate – during your application.

You can also obtain free, independent money advice from these organisations:

MABS Tel: 0761 07 2000
Citizens Advice – visit the website for your local branch

How old do I need to be to take out a Umbrella Credit LTD loan?

To use Umbrella Credit LTD you must be 18 years of age or older and an Irish resident.

Who is Umbrella Credit LTD regulated by?

We are authorised and regulated by the Central Bank of Ireland. We are also a member of the CCA (Consumer Credit Association)

Does Umbrella Credit LTD leave a record of each application on my credit file?

Yes, every time you apply for a Umbrella Credit LTD loan we carry out checks with credit reference agencies to verify who you are and to help assess whether the loan is affordable. For each check we make, we leave a record, known as an application footprint. Making lots of applications for credit in a short period of time will leave multiple footprints and may indicate to lenders that you are experiencing financial difficulties.

What does it mean when I have been accepted in principle?

Accepted in principle is a step towards full approval of your loan application. When we receive you loan request we will carry out a credit check and credit score. If you are successful at this stage you will be given accepted in principle notification. However an agent will need to call to you home to check your documentation and confirm your loan.

If everything is OK with the check we will accept your application in principle which means we are happy to lend to you as long as the assessment of your income and outgoings shows you can afford the loan repayments and you have suitable proof of ID and proof of address.

Credit Reference Agencies hold application searches on credit files for one year. The Credit Reference Agencies that we use are:

Irish Credit Bureau D.A.C

ICB House,
Clonskeagh Road,
Dublin 14,
D14 PX09

Helping to ensure a loan doesn’t become a problem?

We don’t want our customers to have financial problems as a result of taking out a loan with us. That means we need to be careful we only lend to people who we think can afford to repay, and only lend an amount that they can manage.

We only want to offer you a loan we believe you can afford. So even if you have been a customer before and have a good history of repaying you may only be accepted for a loan less than you have borrowed in the past. In some unusual circumstances we may not be able to offer you a loan at all.

Once your loan is repaid on time within the term and conditions of your loan agreement, then there will be no negative impact on your credit rating.

Failure to repay or to meet the terms and conditions of your loan agreement may impact your credit rating and future ability to get a loan.

Under the Credit Reporting Act of 2013 lenders are required to provide personal and credit information for credit applications and credit agreements of €500 and above to the Central Credit Register and may be used by other lenders when making dicisions on your credit applications andcredit agreements.

What happens after I click Apply Now or start to fill in the online application form?

After you click ‘apply now’ you’ll be asked to fill out your personal details. You will be required to input some information personal to you that will assist in the loan application. You will be asked to upload a copy of your bank statement, payslips x 3 months, driving licence or passport and a utility bill with your name on it.

Complaints Policy?

I’ve had an Umbrella Credit LTD loan before and I have repaid it, why am I being declined now?

Even if you have repaid off a loan in the past with no problems. We may still be unable to offer you a loan. We consider every application on an individual basis. We never guarantee approval based on previous loans.

We use a wide range of industry data and make a decision based on a combination of factors For your security, our customer care advisors don’t have access to any further information about decisions.

If you feel you may benefit from some independent advice, you can contact one of the free debt advice services, such as:

MABS: 0761 07 2000

What if I have a complaint?

Our customers are at the heart of our business and we’re committed to giving them the highest quality of service we can. So if you’re not happy with our service or staff, please let us know so we can inprove our level of service.

How to contact us with a complaint?

You may find it easiest to contact us by email. However, you can also write to us with the details of your complaint, or telephone our customer service team.

Please remember to include these details –

  • Your name
  • The email address associated with your account.
  • A description of your complaint, including supporting documentation
  • What we can do to put things right.

By email:

In writing:

To the Complaints Manager

Umbrella Credit LTD,
41 Main Street,
Co Dublin

By telephone: 019020888. Lines are open 8.30am - 18.00pm, 5 days a week. Calls are charged at standard rates for your phone provider and may be recorded.

How secure is your website?

Our website is extremely secure. We recognise the need for appropriate protection and management of the personal and financial information you share with us. We protect that information using secure socket layer (SSL) encryption technology and we store data in encrypted form on computers and control access via secure web pages. We employ firewalls and other security technologies to protect our servers from external attack.

Our security systems meet or exceed industry standards and we are constantly monitoring internet developments to ensure our systems evolve as required. We also test our systems regularly to make sure our security mechanisms are up to date in line with our regulatory obligations.

Why haven’t I received my money?

It depends on your bank clearing times sometimes it can take longer than anticipated.  If you’ve been accepted for a loan and have not received your money, please call customer care team on 019020888 during office hours 8.30am to 18.00 Monday to Friday except Bank Holidays and Public Holidays.

Do you transfer money after hours to my account?

We only transfer money within the opening hours of Umbrella Credit LTD

When you borrow money from us, you agree to repay your loan by a debit card registered in your name. If you have difficulty with this you may carry out one of the following below.

  1. Collection agent

A collections agent will call to your home at a time and day to collect your repayment. You will be given a loan book which they will update and record your repayments.

  1. Bank transfer

If you transfer money directly into Umbrella Credit LTD bank account, our bank details on request and supplied by agent.

  1. Cash Lodgement

Repayment by cash lodged into a Bank Of Ireland account the account number and sort code will be given to you by your agent.

  1. Postal Order

Repayment by postal order cheque lodged into a Bank Of Ireland account the account number and sort code will be given to you by your agent.

  1. Debit Card

By debit card over the phone by contacting our office on 019020888

What happens if you are having difficulties repaying your loan?

If you are having trouble or feel you are running into difficulty please contact your agent or our office on 019020888 and we will try and assist with a payment option that suits you.

Can I pay with someone else’s card?

No, you can only pay with debit cards that belong to you.
Usually, the easiest and most convenient way to repay your loan is with a debit card registered in your name, but you can also repay using a range of other methods.

About Our Site

We are an Irish-owned business and are regulated by the Central Bank of Ireland. We understand that sometimes life’s emergencies can come up unexpectedly. We at Umbrella Credit are here for those rainy days.

Who We Are

Umbrella Credit will require an Agent to discuss your financial income, outgoings and other financial commitments. Available to Republic of Ireland residents aged 18 and over. Written quotations are available on request.

Umbrella Credit is regulated by the Central Bank of Ireland, 73 North Wall Quay, North Dock, Dublin.
Copyright © Umbrella Credit Limited, a private limited company, number 604389.