The Best Credit Union Home Improvement Loan Rates in Ireland

House 3 min read

12 Nov 2019

Whether you’re forking out for a new kitchen, paying sky high for an attic conversion or digging through the pockets for a garden makeover - (Sorry we’ll stop) – the stress of paying even more for a home improvement loan can have you… well, absolutely spent. (Ok, we promise no more).

Some banks like to tell you how great their home improvement loan rates are – shout about it from the renovating rooftops. Not only are credit unions number one for customer experience (far ahead of the rest!) we also have some of the lowest home improvement loan rates in the country - lower than many banks.

We’ve cherry picked the top 20 low cost home improvement loan rates from credit unions around Ireland, so you can get a flavour for what’s out there. Remember you have to be a member of your local credit union first before applying for a loan with them – and if your credit union isn’t listed below, simply find your local branch and pop them a quick loan inquiry!
 

* Information below accurate to November 2019

Firhouse Credit Union Home Limited: Renovation Loan, 5.11% APR

If you take out a €15,000 loan for an attic conversion over three years, you will pay a total of €16,181.86 – €449.50 per month.  

Buncrana Credit Union Limited: 10.51% APR

If you take out a €15,000 loan for an attic conversion over three years, you will pay a total of €17,424 – €484 per month.  

Erris Credit Union Limited: 9.92% APR

If you take out a €15,000 loan for an attic conversion over three years, you will pay a total of €17,298–
€480 per month.  

Kildare Credit Union Limited: 6.45% APR

If you take out a €20,000 loan for an attic conversion over three years, you will pay a total of €21,985 – €611 per month.  
 

Macroom Credit Union Limited: 6.7% APR

If you take out a €20,000 loan for an attic conversion over three years, you will pay a total of €22,067– €613 per month.  

St. Anthony's & Claddagh CU Ltd: 8.29% APR

If you take out a €15,000 loan for an attic conversion over eight years, you will pay a total of €20,297.79 – €195.24 per month.  

Naomh Breandáin Credit Union Ltd: 6.72% APR

If you take out a €20,000 loan for an attic conversion over three years, you will pay a total of €22,084– €613 per month.  

Gort Credit Union Limited: 7.77% APR

If you take out a €15,000 loan for an attic conversion over three years, you will pay a total of €16,864.56– €468.46 per month.  

Altura Credit Union Limited: 7.1% APR

If you take out a €15,000 loan for an attic conversion over three years, you will pay a total of €16,649 – €462 per month.  

Athlone Credit Union Limited: 11.02% APR

If you take out a €15,000 loan for an attic conversion over three years, you will pay a total of €17,551 – €488 per month.  

Comhar CC Dhuibhne Teorant: 9.9 % APR

If you take out a €15,000 loan for an attic conversion over three years, you will pay a total of €17,298 – €480 per month.  

Letterkenny Credit Union Limited: 7.95% APR

If you take out a €15,000 loan for an attic conversion over three years, you will pay a total of €16,971.50 – €471.43 per month.  

Public Service Credit Union Limited: 8.68%

If you take out a €15,000 loan for an attic conversion over three years, you will pay a total of €17,009 – €472 per month. 
 

A.N.S.A.C. Credit Union Limited: 7.18%

If you take out a €20,000 loan for an attic conversion over five years, you will pay a total of €23,534.83  – €395.59 per month.  

Dunboyne & District Credit Union Ltd: 7.2%

If you take out a €20,000 loan for an attic conversion over three years, you will pay a total of €22,231.51  €617.54 per month.  

Cobh Credit Union Limited: 7.2%

If you take out a €20,000 loan for an attic conversion over three years, you will pay a total of €22,231.51  €617.54 per month.  

St. Michael's Credit Union Limited: 7.25%

If you take out a €13,000 loan for an attic conversion over five years, you will pay a total of €15,445 – €257  per month.  

Shannon Credit Union Limited: 8.25%

If you take out a €15,000 loan for an attic conversion over three years, you will pay a total of €16,909– €470  per month.  

Carrick-On-Shannon Credit Union Limited: 7.77%

If you take out a €15,000 loan for an attic conversion over three years, you will pay a total of €16,790– €466 per month.  

Community Credit Union Limited: 7.44%

If you take out a €20,000 loan for an attic conversion over seven years, you will pay a total of €25,452.92 – €279.80 per month.  

If you didn't see your local credit union in the list, no problem, simply ask about their home improvement loan rate today using the button below.