Find the Perfect Loan for You
You can apply for a loan with Kilnamanagh Credit Union online and in the office. Your credit union has competitive loan rates for everything you need, including:
- car
- holidays
- home improvements
- education
- family events
- weddings
And so much more!
Apply Now
Advantages of Credit Union Borrowing
Hassle-free Application
Easy and swift application process.
Fair Loan Approval Process
Your loan application will be dealt with personally and strictly on its own merits.
Tailored Repayments
Your repayments will be tailored to meet your own personal circumstances.
Free Insurance
Your loan will be insured at no direct cost to yourself - check with the office for details of terms and conditions
Decreasing Repayment Interest
The interest rate you pay will be reasonable and interest will be payable only on the reducing balance of the loan.
Favourable Car Loan
With a credit union car loan, you own your car immediately rather than having to wait until last payment is made as with a hire-purchase loan.
Flexible Repayment Schedules
The repayment schedule can be adjusted to meet your own changing circumstances if necessary.
Download Loan Application Form (183.4kb)
Loan Policy & Requirements
Members will be asked for proof of income and or bank statements, credit card statements and proof of address in order for their loan application to be processed.
All members over 18 years of age can apply for a loan after saving regularly for three months (12 weeks).
You may apply for an amount up to twice the value of your shares for your first loan. Four months must elapse between the date you draw down the first loan and apply for a second loan, which will be based on your record and ability to make regular repayments. There is no time restriction on further loans.
Members between the ages of 16 years and 18 years will need their Parent/Guardian to co-sign the agreement.
Loans within shares are paid out immediately on completing a Loan Application Form and presenting it at the counter.
Planning and Managing Repayments
Kilnamanagh Credit Union is flexible with regard to repayment plans. However, there are some legal limitations to length and amount of loans. Members will be advised on the best repayment plan to meet their own circumstances. Members are generally advised to repay a loan in as short a time as possible.
Should a member experience difficulties in meeting repayment commitments, he/she should immediately explain the situation to the credit union. Communication is the best policy. Your credit union will treat the matter sympathetically and in total confidence. Depending on the circumstances, the loan will be renegotiated if possible. Please be aware that it is the policy of our credit union to recover all amounts due, including interest and costs. We will resort to legal action, if necessary, to enforce a Credit Agreement.
Current Loan Packages
Standard Loan
- Annual interest rate 10.50% (variable APR 11.04%)
- Repayments are calculated on your reducing balance
- Your credit union loan is insured in the event of your death at no direct cost to you
- There are no hidden fees, admin charges, transaction charges
- You can pay off your loan early or increase your regular repayments, without a penalty
- Apply
Loan within shares
- Competitive variable interest rate of 5.95% (variable APR 6.13%)
- There are no hidden fees or transaction charges
- Repayments are calculated on your reducing balance
- Your credit union loan is insured in the event of your death at no direct cost to you
- You can pay off your loan early or increase your regular repayments, without a penalty
- Apply
Student Loan
- Competitive interest rate currently 6.50% (variable APR 6.7%)
- Repayments are designed to meet your personal repayment capabilities
- No administration, documentation fees or hidden charges
- Top-up loans are available
- Interest is calculated on the reducing balance
- Apply
Local Property Tax Loan
- Competitive variable interest rate of 6.50% (variable APR 6.7%)
- There are no hidden fees or transaction charges
- Repayments are calculated on your reducing balance
- Your credit union loan is insured in the event of your death at no direct cost to you
- You can pay off your loan early or increase your regular repayments, without a penalty
- Apply
Home Security Loan
- Competitive variable interest rate of 6.50% (variable APR 6.7%)
- There are no hidden fees or transaction charges
- Repayments are calculated on your reducing balance
- Your credit union loan is insured in the event of your death at no direct cost to you
- You can pay off your loan early or increase your regular repayments, without a penalty
- Apply
Our loans won’t break the bank! Fill in the Loan Application Form.
Apply NowGet a standard loan of €1,000 for as little as €32.50 monthly. Find out how our loans can work for you.
Loan CalculatorWe have a professional team managing your credit union and our staff are on hand to assist with applying for a loan.
