Car Loans

FOR NEW WHEELS

Whether you want more space for a growing family or are looking to buy your very first car, we've got the flexible car loan for you. 

Quick Loan Enquiry

Over 60 years ago, credit unions across the island of Ireland were created with one purpose - to provide the essential funding that’s the lifeblood of any thriving community. And to do this not for profit. But for better reasons. 

Like helping you get the car you need for your lifestyle – whether you want more space for a growing family or are looking to cut down on your carbon footprint. So if you’re looking for a new set of wheels, talk to us today about our range of flexible car loans. 

 
The Credit Union – For You. Not For Profit

Loan Repayments

The maximum interest rate which a credit union can charge is 12% (12.68% APR)*. Most credit unions have car loan interest rates which are significantly lower than that and offer a loan interest rebate at the end of the year. Why not try our new loan calculator tool below to see how much a car loan could cost you.

Try Our Car Loan Calculator   >

Why choose a Credit Union?

Because we’re for you, not for profit.

We are owned by our members and we only exist to serve their needs and the needs of their communities.

And for over 60 years, we’ve been helping towns and villages across the island of Ireland to thrive and grow – both through the funds we’ve lent to local people and businesses and the charities and clubs we support every day.

So whether you’re a farmer or a student, a small business owner or a bride-to-be, explore our wide range of flexible loans– and find out how it feels to be a member of a financial institution that puts you at the heart of everything.

What's Different about a Credit Union Car Loan?

Unlike some other forms of car finance like Hire Purchase or a Personal Contract Plans (PCP), with a credit union car loan, you own the car from the outset. There are no scary hidden fees or charges and definitely no balloon payments or mileage restrictions. If you want to own the car you're driving and want the freedom to decide when to sell it, a credit union loan may just be for you.
 

How do I Apply for a Car Loan?

All credit unions are different, but many will allow you to apply online or over the phone with many offering quick approval times. Click here for all your frequently asked questions about applying for a car loan.

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

Enquire Now
 

Not 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.

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.