Take out a loan

Whether you're looking to borrow to help with your household expenses or for a larger purchase, the credit union has the right personal loan to suit you. Borrow at a fair, affordable rate with no application fees, no early repayment charges and with the prospect of a loan interest rebate at year-end.

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Personal Loan

Borrow from €250 upwards

Many financial institutions do not offer loans under €1000, so come to the credit union for the amount you want to borrow
If you've had trouble in the past that doesn't necessarily stop you getting a loan
Attractive rate of interest
Interest rate is variable but your repayments are unlikely to be increased
Loan interest rebates paid to borrowers at year-end in recent years
Loan protection cover paid for from the resources of the credit union
Repayments to suit you (weekly, fortnightly or monthly), neatly aligned to the An Post payroll
No application fees or early repayment charges

Approval rate exceeds 94% !

Mortgage clearance loan - special low rate

In March 2017, the credit union announced a new personal loan at a special rate to clear the end of your mortgage. Features include:

You finally get the deeds of your own home - no legal fees!
Loans from €30K - €60K; paid directly to mortgage provider; term up to 10 years
Lending rate 3.8% (typical APR 3.9%); eligible for annual interest rebate!
Ideal for members who hold variable rate bank mortgages at 4.5% and 4.25%
To be set up on the basis of a single account, guaranteed by spouse/partner
Aimed at members with low levels of debt
Covered by CU loan protection insurance
One to note - members need to check whether their current mortgage protection insurance would lapse automatically if their mortgage is redeemed and whether CU loan insurance on the member (but not his/ her spouse or partner) is sufficient.

Loan within shares at 4.99%

The credit union is pleased to announce a new personal loan at a special rate to clear the end of your mortgage. Features include:

Special, low rate of interest 4.99% (typical APR 5.1%)
Keep your savings and your very useful insurance cover intact
Eligible for annual interest loan rebate
Maximum loan term 5 years

Representative example - standard personal loan

Borrow €1,000 over 12 months and repay €20.12 per week. The total amount payable (including interest of €45.76) is €1,045.76. The annual interest rate is 8.9%, typical APR 9.2%.

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