Credit union loans and guarantors?

Hi all,

I’m looking to apply for my first loan of around €5,000. I know the credit union requires you to have 10% of your desired amount in your shares but I’m just wondering what’s the story if I try get someone to be a guarantor for me as I’m trying to get a loan for a car asap as I need it for a new job starting soon.

My guarantor would be on widows pension and half rate carers I believe and she also had paid her mortgage off and has shares in the credit union and post office but is paying back a small loan of €1,000 in the credit union.

The information I’m trying to find out is do I need to have shares in the credit union if I’m using a guarantor? And with her financial circumstances would she be able to be a guarantor?

Thanks all