Student Loans

IMAGINE A LESS STRESSFUL COLLEGE LIFE 

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

Quick Loan Enquiry

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 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. 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? 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.
 

Student Grants and Bursaries

Each year many credit unions award very substantial grant funding to students who will be attending 3^rd 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.

Enquire Now

​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.