Tel: 065 905 1242 Email: info@kilrushcreditunion.ie

About Our Home Improvement Loans

Whether you intend to build a new extension, get a new kitchen or bathroom, fix that leaky roof or revamp your garden; we have a Home Improvement Loan to suit you.

Small Home Improvement Loans for projects up to €20,000 are at our standard personal loan interest rate of 10% (APR 10.47%)

Large Home Improvement Loans for projects between €20,000 and €75,000 are at a special reduced rate of 8% (APR 8.3%)

For Large Home Improvement Loans costings of the work being completed must be provided.

Here’s what makes our Home Improvement Loans different:

  • Flexible, low cost way of covering the cost of your building or DIY projects no matter what size.
  • Straight forward loan with regular repayments over an agreed term.
  • No administration fees or hidden charges.
  • Interest is charged on your reducing loan balance so your repayments are based on what is actually outstanding.
  • Loans are insured by the Credit Union’s Loan Protection Insurance.  This gives the comfort of knowing that your family will not be left with the burden of loan repayments in the event of your death.  This cover is available at no extra cost. (Terms and Conditions apply).
  • Loan interest rebates may apply.  See the benefits section for more information.

Find out what you can afford to borrow

Loan Calculator

Features of Home Improvement Loan

Whether you intend to build a new extension, get a new kitchen or bathroom, fix that leaky roof or revamp your garden; we have a Home Improvement Loan to suit you.

No Stress

We don’t want you to worry, so we’ll be here to answers all your concerns.

We Get Personal

With us you are more than just a number. It’s about more than just your credit history.

No Fees or Charges

Banks charge you fees to use your account. We don’t. Nothing. Zilch. Zero.

Reducing Interest

The more you pay off the less interest you pay. Nice!

Home Improvement Loan - Eligibility

If you are a member and you have shares saved then you may apply for a loan. No two cases are the same and each loan application will be looked at on its own merits. However some general guidelines about the criteria for loan assessment are as follows:

Saving

Are you saving regularly and how much you have in your savings.

Repayment

Your ability to repay the loan.

History & Credit Check

Your previous history with the credit union and your credit check with ICB/CCR.

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Kilrush Credit Union