How to Apply

You can start your application now by downloading these forms: Borrower Application Form and Borrower Administration Form

NOTE: An application is not accepted until both forms are fully completed in hard copy accompanied by the correct fee, and received by the Credit Review Office.  Borrower Admin Form must be signed by all parties to the loan or credit facility. Incomplete applications will be sent back.

The complete application must be received by the Credit Review Office within 20 working days of your receipt of Bank decline letter or Bank letter indicating withdrawal or reduction of facility.

The application has two main sections:

  • Factual information about yourself (the borrower) and the details of the loan application,
  • Your opinion as to why the loan has been declined, and your ability to service and repay the debt.

Before the independent review commences, the bank will be asked to confirm the facts and give its view on why the credit facilities are being refused.

As part of your application, you will be required to enter into a legal agreement with the Credit Review Office to allow us to access information that is contractually confidential between you and the bank.

If your loan application has not already been be put through your bank’s own formal internal appeals process, we will arrange for this when you make initial contact with us. This internal appeal may result in your required credit facilities being made available However, it that doesn’t happen, our review can commence..

Application forms should be sent to*

Credit Review Office
The Plaza
East Point Business Park
Dublin 3

* Registered post is recommended for security reasons.

If you need any assistance in submitting your application, please email us at or call us on 1850 211 789.




Review Fees

The review fee ranges from a minimum of €100 to a maximum of €250, depending on value of the loan request under review. (For loans up to €100,000, a flat fee of €100 applies. For loans above €100,000 and less than €250,000, the fee is calculated by dividing the loan amount by 1,000.)  For loans above €250,000, a flat fee of €250 applies.

For example

  • Credit facility under review €60,000 = €100 fee
  • Credit facility under review €157,000 = €157 fee
  • Credit facility under review €330,000 = €250 fee

If your application meets our eligibility criteria, you will be advised of the correct processing fee, which should be paid by cheque, postal order or bank draft (made out to the Credit Review Office) before the review begins.

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