Student Loan
6% (APR 6.18%)
For most people, the transition into third level education is a major change. Whether you’re living at home with your folks, in lodgings, an apartment or a house-share, student life means a whole new way of living.
You have more choices to make – when to study, when to work, when to have fun and how to look after your money. A student loan can help in many ways, whether it’s to pay for registration fees, rent, books, course material or just living expenses.
Student Bursary
Our Mick Tevlin Student Bursary is now open for applications. A bursary of €1,000 is available to one student from each secondary school within our Common Bond - Kilrush Community School & Kilkee Community College. Closing date is the 18th September 2026.
Try out our Loan Calculator
Maximum Loan Term :
6.18%
6.18%
6.18%
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?
For student applications the following documents are required:
- 2 Most Recent Payslips, if working
- Bank account statement for the last 3 months, including Revolut if this is your main day to day account
- Proof of rent or other liabilities if not evident on your bank statement
- Proof of course
A guarantor is required for all student applications
- A guarantor is someone (a parent or guardian) who agrees to step in and make your loan repayments if you are unable to do so. This helps support the loan while a student is in education and building up their income.
- Your guarantor will need to provide proof of income and bank statements, you can find the details here
Why apply with us?
At this expensive stage in life, you’ll find that Kilrush Credit Union is here to help members with a low cost Student Loan package.
Here’s what makes our Student Loan different:
- Very competitive variable rate – 6% (APR 6.18%)
- Borrow up to €40,000 over 7 years
- No hidden fees or transaction charges.
- Flexible repayment terms to suit your particular circumstances.
- Interest is charged on your reducing loan balance, so you only pay interest on what you owe.
- The amount you can borrow is not based on the value of shares held in the linked student account.
- This loan package is available for those starting or returning to third level education.
- Eligible 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. (T&Cs apply). See the insurance section.
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!
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