Student Loans
student loan

Broadening your horizons? Have you researched our student loans?

Loan Enquiry

Whether you’re leaving the nest for the first time to embark on your third level journey, or you’re returning to third level to try your hand at something new. why not chat to your local credit union about a flexible student loan or submit an online loan enquiry today.

How much does a Student Loan cost?

The maximum interest rate which a credit union can charge is 12% (12.68% APR)*. In practice, most credit unions have student loan interest rates which are significantly lower than that. Click here to view information on average credit union loan rates. 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. Please check with your local credit union for further details.

* For a €/£3,000 one year variable rate loan with an interest rate of 12%, an annual percentage rate of 12.68%, the monthly repayment will be €/£266.55 and the total amount repayable will be €/£3,198.56.

How do I apply for a Student Loan?

If you are already a member of a credit union, simply contact your credit union today.

Or, to submit a student loan enquiry to your local or workplace credit union, please click on the Loan Enquiry link below.

Loan Enquiry

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.

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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.