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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.
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
