Credit Unions throughout Ireland, lend on average, €9m every single week of the year.
The Heritage group is an amalgamation of seven credit unions spread out across Dublin's Southside and its loan officers deal with at least 200 loan applications on a weekly basis.
Long term members Linda and her mum Kathe are meeting with Celine Yarr to discuss a €5,000 loan to celebrate a major milestone – Kathe is turning 80.
But as is normal in the loan office, the story behind the loan has Celine intrigued as Kathe reveals an extraordinary tale of her childhood as a wartime refugee.
In Cara Credit Union in Tralee, former biker Joanne is hoping to put her two-wheel past behind her as she applies to tax and insure a new car that was a gift from her brother.
As we find out, the security of a car is vitally important for Joanne as she starts a new chapter in her life.
In St Dominic's Credit Union we meet the singing loan officer Paul Corcoran, and he is not the only performer in Waterford.
Children's entertainer Konor is using every trick in the book to try and get a €500 holiday loan, because being a self-employed clown is not always fun and games.