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Back to School Loans



Whether your little monster needs a new uniform, school bag or more books, or piano lessons, or karate classes – then you might be in luck!

We know that getting ready for a new school year can be a monster undertaking. Talk to your local credit union today about a back to school loan to help take some of the stress away from the back to school season. Because for all of your dreams that are big, small or strange, we’ve got you covered with our monster loan range.

                                                                                                                                                                                                      Loan Enquiry

The Credit Union – Imagine More.                                                                                                                                       

Why? Imagine a Different Kind of Lender  

Imagine – A straight-forward loan, with no sneaky conditions.
Credit unions offer flexible student loans of all sizes. You can pay off your loan early or increase your repayments, all without any scary penalties.

Imagine – A loan from a lender at the heart of your community.
Credit unions are not-for-profit and owned by our members, the people who save with us and borrow from us. All decisions are taken at local level, in the best interest of all our members.

Imagine – A loan with built in insurance, at no 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.

What is the Interest Rate for a Credit Union Back to School Loan?

The average rate charged by a credit union in the Republic of Ireland for a back to school / education loan is 7.63% APR. The maximum interest rate a credit union can charge is 12% (12.68% APR). Click here to view information on average credit union loan rates.
Many credit unions also offer discounted or promotional rates at certain times of the year - please check with your local credit union for further details.  And not only that, many credit unions offer a loan interest rebate at the end of the year, making credit union loans even more appealing. The best thing to do is to contact your local credit union who will come back to you with details on the interest rates they currently offer.
*For a €/£3,000, 3 year variable rate education loan with 36 monthly repayments of €/£93.50, an annual percentage rate of 7.63%, the total amount payable by the member is €/£3,365.91.

*For a €/£3,000, 3 year variable rate education loan with 36 monthly repayments of €/£100.62, an interest rate of 12.68% annual percentage rate, the total amount payable by the member is €/£3,622.32.

How do I apply for a Back to School Loan?

All credit unions are different but many will allow you to apply online or over the phone with many offering quick approval times - for more information and tips on how to get a back to school loan from the credit union, see our blog post here.

If you are already a member of a credit union, contact your credit union today, or to submit a personal loan enquiry to your local or workplace credit union, please click on the Loan Enquiry link below.

Loan Enquiry


‚ÄčNot a Member? Not a Problem!

If you’re not already a credit union member, why not join your local or workplace credit union today? You'll find more details on what you need to join by clicking here.

Or if you can’t remember the last time you used your local credit union, that's also no problem. Credit unions just love to see old friends returning. Just contact your local credit union to find out how to reactivate your account. 

Need more information on Back to School Loans?



How to Apply for a Back to School Credit Union Loan

if you need financial assistance at back to school time

Education 5 min read


Back to School Money Saving Tips

Even the most adept and disciplined budgeters need a little guidance.

Education 4 min read


8 Ways to Cut Costs on the Back to School Shopping List

Reduce that bill at the end of the back to school shopping list. 

Education 3 min read


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.