Irish-American writer and film student living in the south of Ireland.
IndieCork, a new independent festival in Ireland, has no entry fee. It was started two years ago by people who have decades of experience managing and curating festivals in an attempt to better highlight independent cinema. They have a special Irish section but they screen many international features as well. Their main patron is Ken Loach who directed films like The Wind That Shakes the Barley. Lenny Abrahamson (director of Frank) is also involved.
... And all that 'advertising' aside (this is a local festival for me) the website is indiecork.com - info about submissions for 2015 aren't up yet though. AFAIK submissions are made through their own site.
Also, I do agree with the person above and if all the people involved in the film chipped in $20 each you'd have enough money to submit to a few festivals. Most festivals do charge because the cost of running a festival can be pretty high.