Credit Union Loans

YOUR HOME IMPROVEMENT LOAN

Your Way...


Whether you're looking for THE 'We can't stack the boxes any higher' LOAN, or THE 'we need to convert the garage' HOME IMPROVEMENT LOAN, come and talk to your local credit union.


Loan Enquiry...

Your Home Improvement Loan - Your Way

Whether you're looking for THE 'We can't stack the boxes any higher' LOAN, or THE 'we need to convert the garage' HOME IMPROVEMENT LOAN, come and talk to your local credit union.

WE'RE NOT HERE FOR PROFIT.

WE'RE HERE FOR PEOPLE.

Our philosophy has always been to look at things differently. We understand the difference a home improvement loan can make to your life, increasing comfort and adding space, so we always look at your whole story to make sure you feel at home with the loan process. We only propose home improvement loans with realistic terms, which you can pay back in a way that works best for you.

We don't charge administration fees or transaction charges and you can pay back your home improvement loan early without penalty, if that becomes an option. Remember, in your local credit union, you are not a customer, you are a valued member.

So if you're thinking about turning your house into a home again, call in to us today.

 

DOING IT YOUR WAY:

No matter what your home improvement loan is for - from a total revamp, to just a little redecorating, or THE 'I'm going green' ECO LOAN, your credit union will ensure everything is clear, transparent and straightforward. So you can get on with creative and wonderful improvement ideas for your home, your way.

  • There are no hidden fees or transaction charges.
  • Credit union interest rates are fair and reasonable and are capped by law.
  • Repayments are calculated on your reducing balance, so you pay less interest with each repayment.
  • In the event of your death, your credit union loan is insured - subject to terms, conditions and eligibility criteria - at no direct cost to you.
  • You can pay off your loan early, make additional lump sum repayments or increase your regular repayments, without a penalty. Other lenders may charge you extra for paying them back faster!

 

HOW MUCH DOES A HOME IMPROVEMENT LOAN MY WAY COST?

The maximum interest rate which a credit union can charge is 12% (12.68% APR)*. In practice, most credit unions have interest rates which are significantly lower than that. Please check with your local credit union for further details. The maximum loan period can vary, depending on each credit union's own policy.

* For a €3,000 one year variable rate loan with an interest rate of 12%, an annual percentage rate of 12.68%, the monthly repayment will be €266.55 and the total amount repayable will be €3,198.56

 

HOW DO I APPLY FOR A HOME IMPROVEMENT LOAN?

If you're not already a credit union member why not join today? You'll find your local credit union on creditunion.ie or in your local area phone book.

For members, it's as simple as visiting your credit union and discussing your needs. They will give you an application form to fill out. Your application is treated in the utmost confidence and will be considered on its own merits. In deciding, whether or not to grant the loan we take into account your record of savings and loan repayments, as well as your ability to repay.

 

JOIN NOW          Loan Enquiry...

Your Loan Enquiry Form

Please select where you would like to request a loan from:
Your Local Credit Union
Your Workplace
Credit Union