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Personal Loans


At the credit union we understand that the reasons for needing a personal loan are as varied as life itself. Whatever your reasons, we’ve got the personal 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. 

For dream homes and dream holidays. For new cars and new arrivals. For rainy days and everyday expenses. Whatever your reasons for needing a loan, we’ve got one to suit you.

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 loan interest rates which are significantly lower than that and offer a loan interest rebate at the end of the year. The maximum term of a personal loan is ten years. The minimum and maximum loan amount is set locally by each credit union. Why not try our new loan calculator tool below to see how much a personal loan could cost you.

Try Our Personal 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.

How do I apply for a Personal 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 on how to get a personal loan from the credit union, click 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.

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. 

*For a €/£3,000, 3 year variable rate personal loan with 36 monthly repayments of €/£100.62, an interest rate of 12.68% APR (Annual Percentage Rate), the total amount payable by the member is €/£3,622.32.
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.