Student Loans



Whether it’s textbooks, or laptops, rent or course fees - we can help you arrange flexible finance with ease.

If you’re leaving the nest for the first time to embark on your third level journey, or you’re returning to try something new, talk to your local credit union today about our range of student loans available to help you cover all the expenses that college can throw at you. 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 Student Loan?

The maximum interest rate a credit union can charge is 12% (12.68% APR)*. In practice, most credit unions have personal loan interest rates which are significantly lower than that. Click here to view information on average student 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, 1 year variable rate loan with 12 monthly repayments of €/£266.55, an interest rate of 12%, an annual percentage rate of 12.68%, the total amount payable by the member is €/£3,198.56.

Student Grants and Bursaries

Each year many credit unions award very substantial grant funding to students who will be attending 3rd level education or further education courses.
The format of these awards vary widely, as do the terms and conditions which apply. Some credit unions base the award on academic qualifications, while others run an open draw. The majority require that the applicant be either a member of the credit union or the son/ daughter of a member. 

You can only join a credit union (and apply for such schemes) if you live or work in the area served by the credit union. 

For more information, contact your local credit union today. You can find details of your local credit union here.


How do I apply for a Student 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 student 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.

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. 

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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.