Home Improvement Loans
FOR COSIER HOMES
If you're got plans to transform your home, by adding more space or making it more energy efficient, we've got the flexible 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 giving homeowners a helping hand with all kinds of home improvements – from simple DIY projects to full-scale renovations. So if you’ve got a plan to transform your home, talk to us today about our range of flexible home improvement loans.
The Credit Union – Imagine More.
The maximum interest rate which a credit union can charge is 12% (12.68% APR)*. Most credit unions have 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 home improvement loan could cost you.
Try Our Home Improvement Loan Calculator >
Why? Imagine a Different Kind of Lender
Imagine – A straight-forward loan, with no sneaky conditions.
Credit unions offer flexible home improvement 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.
How do I apply for a Home Improvement 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 home improvement loan.
If you are already a member of a credit union, simply contact your credit union today.
Or, to submit a home improvement loan enquiry to your local or workplace credit union, please click on the Loan Enquiry link below.
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.