Loans Loans

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 as little as €100 upwards at a fair, affordable rate with no application fees and no early repayment charges.

Loan Calculator

Our Loans At a Glance

Standard Loan

Variable Rate Loan 9.49% (9.91% APR)

  • Many financial institutions do not offer loans under €1000, so come to us for the amount you want to borrow
  • If you've had trouble in the past that doesn't 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

Back-to-school Loan

Variable rate 7% (7.24% APR)

  • Max. €1,000 over 1 year
  • Many financial institutions do not offer loans under €1000, so come to us for the amount you want to borrow
  • If you've had trouble in the past that doesn't 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

Personal Microcredit Loan

Fixed rate 12% (12.74% APR)

Designed for members who are on social welfare and wish to repay their loan directly from their social welfare through the household budget scheme.

  • Maximum €2,000 over 2 years
  • In addition to the loan application, three recent social welfare slips and three months bank statements, members should also sign the household budget scheme authorisation form.
  • Repayments will be deducted directly from social welfare and forwarded by An Post to the credit union.

Note: Deductions from social welfare through the household budget scheme are limited to 25% of the social welfare payment.

Within Shares Loan

Variable rate 6.0% (6.18% APR)

  • This loan is fully secured by your shares
  • Pay off your loan and your shares are still there for you
  • Save more into your shares and you can borrow more at the lower rate the next time

Representative Example

Borrow €1000 over 1 year, repay €20.19 per week. Total amount payable (including interest of €48.87) is €1,048.87.
APR is 9.96%.

Contact Us
  • Tel: 01 628 1642
  • Fax: 01 628 1898
  • Email:
  • Address: 3 The Mall, Main Street, Lucan, Co. Dublin:: Other Offices ::
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Lucan Credit Union Ltd is Regulated by the Central Bank of Ireland. Reg No. 174CU