Wherever you are on your academic journey, be it starting or returning to college, we've got the flexible student loan for you.
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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 students from all walks of life the chance of a brighter future – wherever they are on their academic journey. So if you’re starting or returning to college this year, talk to us today about our range of flexible student loans.
The Credit Union – For You. Not For Profit
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 car loan could cost you.
Try Our Student 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.
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.
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.