Personal Loans

Want the freedom of a flexible loan?

Credit Union Loans

PERSONAL LOAN

Want the freedom of a flexible loan?


Whatever you need it for, chat to your local credit union today about a personal loan, or click below to submit a loan enquiry.


Loan Enquiry...

Personal Loan - Want the freedom of a flexible loan?

Whatever you need it for, chat to your local credit union today about a personal loan.

GET A FLEXIBLE LOAN FROM A LENDER WHO CARES

HAVE YOU HAD YOUR CREDIT REUNION?

 

At the credit union we look at things differently:

  1. Owned by you:
    Every credit union is owned by its members, the people who save with it and borrow from it
  2. Local:
    All decisions are taken at local level in the best interest of all members
  3. Member service:
    Credit unions excel in the personal service which they provide to members
  4. Straight forward:
    Unlike a Hire Purchase agreement or Personal Contract Plan you own the car from the outset. There are no hidden fees or charges on credit union loans
  5. Flexible:
    You can pay off your loan early, make additional lump sum repayments or increase your regular repayments, all without penalty. Generally. there is no minimum loan period.
  6. Loan protection:
    Loans are insured by the credit union’s own policy at no direct cost to you. This is designed to pay off a loan in the event of a borrower’s death – subject to terms, conditions and eligibility criteria.

 

Whatever you need it for, chat to your local credit union today about a personal loan.

 

HOW MUCH DOES A PERSONAL LOAN 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 PERSONAL LOAN?

If you're not already a credit union member why not join today? You'll find contact details for your local credit union on the credit union locator.

For members, it's as simple a matter of contacting your local credit union to make a loan enquiry. You will be asked to complete a loan application form and provide some other details relevant to your loan enquiry. Your application will be treated in the utmost confidence and will be considered on its own merits.

 

JOIN NOW          Loan Enquiry...

Loans are subject to approval. Terms and conditions apply. If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating which may limit your ability to access credit in the future.
Credit unions in the Republic of Ireland are regulated by the Central Bank of Ireland.
Credit unions in Northern Ireland are authorised by the Prudential Regulation Authority, and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Your Loan Enquiry Form

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