Take Out a Loan

Whether you're looking to borrow to help with your household expenses or for a larger purchase, we have the right personal loan to suit you. We've made it easy to borrow at a fair, affordable rate with no application fees and no early repayment charges. Whether it is a small expense or a house extension, we lend for a wide range of purposes at competitive rates. You can check out your options using the loan calculator below - it may be more affordable than you think.

Know the credit union difference

• No need to worry
  Free Loan Protection and Life Savings Insurance*
• No sliding scale
  Same rate applies no matter how much you borrow
• No hidden costs
  There's no set up fee, no hidden fees
• No penalties for early repayment
  We will not charge you for lump sums or clearing of a loan either
• No commercial approach
  Our ethos is non-profit, we make your money work for you

*Subject to terms and conditions. Cover limits vary and certain restrictions apply based on age and cover.

Our Loans at a Glance

Standard Loan

11% (11.57% APR)

• Many financial institutions do not offer loans under €1000, so come to us for the amount you want to borrow. Whether its €500 or €50,000
• If you've had trouble in the past that does not necessarily stop you getting a loan
• More competitive interest rates than a payday loan or doorstep lender
• Repayments to suit you - weekly, fortnightly or monthly
• No application fees or early repayment charges

Motor Loan

6.75% (6.96% APR)

• Enables you to own the car from the onset
• No mileage restrictions
• No balloon payments
• Repayments to suit you - weekly, fortnightly or monthly
• No application fees or early repayment charges

Education Loan

7% (7.23% APR)

• In order to qualify for an Education Loan, the loan must be to fund a course, full time or part time, in a recognised third level institution.
• The member applying for the Education Loan will be required to provide confirmation of the course fees, college offer or similar may be required, prior to approval.
• All cheques or credit transfers will be paid to the college.
• Education Loans may require a guarantor by a parent or guardian. Proof of income will be required for the student and guarantor.
• A parent or guardian may apply for an Education Loan on their account subject to confirmation of the course, the student is attending.
• The Education Loan will operate as a separate loan account.

Special Secured Loan

5.5% (5.64%APR)

• You must keep 110% of the outstanding loan balance in your shares at all times
• Repayments to suit you - weekly, fortnightly or monthly
• Don't dip in to your savings
• Protect the Savings Protection Insurance you have built up
• No application fees or early repayment charges
• The loan is fully secured by your shares