Loans
Take out a Loan
Why borrow from Kilrush Credit Union?
Whether you're looking to borrow to help with your household expenses or for a larger purchase, we have the right loan to suit you.
We welcome loan applications from members regardless of how long they have been a member.
Our loans at a glance
Promotional Loan
7.25% (APR 7.51%)
Try out our Loan Calculator
Maximum Loan Term :
9.13%
9.13%
9.13%
This calculator is for illustrative purposes only, to give you, the borrower, an overview of the potential cost of borrowing. The Credit Union, or any of its staff, cannot be held responsible for any errors. Please note that this calculator only provides an indicative quote and actual repayments may vary.
What do I need to apply?
To apply for a Loan, you must be a member of Kilrush Credit Union. If you are not already a member join online or call into our Kilrush office. Click here for Membership Information.
To get started with an application, simply:
- Login to your online banking or mobile app
- Call us on 065 9051242
- Complete our Loan Enquiry Form
- By email to loans@kilrushcreditunion.ie
- Drop into our branch
For personal applications the following documents are required:
- 2 Most Recent Payslips
- Bank account statement for 3 previous months
- Proof of rent or other liabilities if not evident on your bank statement
- Statements for your revolut account if this is your main day to day account
If Self employed/director of a company you will also need to provide:
- Two most recent set of financial accounts
- The most recent chapter 4 self assessment / Form 11
- Tax Clearance Certificate / letter from your accountant confirming tax affairs are up to date
- For Business / Farming Loans please see the relevant section under different loan types
- Lending criteria, terms and conditions apply
Ready to Apply?
Click on "Apply Now" button to start your journey right now or click on "Contact Us" button to send us a message if you are unsure about your documentation, or still have other questions. If you are not a member, join us today!
Apply Now Contact Us Join Us
We will:
- Base your application on your needs, ability to repay and your credit history.
- Ask you to provide proof of income and additional information such as recent bank statements etc.
- Tailor your repayments to what you can afford.
- Provide you with a quick response to your application.
- Insure your loan against death subject to our Loan Protection rules at NO cost to you. See the Insurance section for more information.
- Only charge interest on the reducing balance of your loan - the lower the balance the lower the interest cost.
- Look favourably on your repayments if your personal circumstances change through illness, redundancy etc.
Why borrow from us
Top nine Reasons
We offer great value loan rates
We offer loans from as little as 4.99% which makes us one of the most competitive in the market.
We offer flexible term and repayment options
It’s part of our can-do attitude. We will do whatever we can to accommodate your needs and circumstances.
We will give you a quick decision
We’re quick at making decisions so you won’t be left waiting for an answer. You can expect a loan decision within 24 hours for most straightforward applications.
We make it easy to apply for a loan
You can apply online or via the mobile app, call us, email us or visit us to arrange a private consultation with one of our qualified loans officers. You can also start the application process online by filling out the loan enquiry form.
We provide free loan protection insurance to eligible members
It means that, in the unlikely event of your passing during the term of your loan, your dependents won’t have to pay the outstanding balance.
We don’t charge any transaction fees
With us, there are no administration charges or arrangement fees, no hidden extras or nasty surprises. What you see is what you get.
We don’t penalise you for early repayment
If you want to pay off your loan early, we won’t stand in your way. You can clear your loan whenever you want, at no extra cost.
We calculate interest on the reducing balance method
It means you pay less interest with each repayment which can make a big difference over the lifetime of a loan.
We offer loan products for every need
We’re not just here for cars and home improvements. We look at things differently: for education, medical, business, community and sporting requirements in the community. We will consider loan applications for any worthwhile purpose.
