Christopher Toye, from 5 Moyle Road in Milford, wasn’t in Letterkenny District Civil Court for the hearing.
Patsy Gallagher, solicitor for Mulroy Credit Union, told Judge Paul Kelly that Mr Toye owed a total of €17,253.
He said the money was originally loaned for the purchase of a car.
A statement of means was provided to the court.
Judge Kelly approved a repayment scheme based on Mr Toye’s means of €20 per week.
The judgement means Mr Toye will have to make 862 weekly payments to clear the loan – taking 16 and a half years.
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