Low Rate
Rates from 7.5% (7.76% APR)
Easy Application
Start Your Application Online.
Join & Apply
No Waiting For New Members
Borrow Up to €100,000
Financing your home improvements.
Financing your home improvements.
WHY BORROW WITH US?
Support Local
- Every loan helps build a stronger local economy, supports jobs, and funds community initiatives.
- Free Loan Protection Insurance for peace of mind at no extra cost (T&Cs apply).
- Borrow any amount from €1,000 up to €100,000
- If you choose a Fixed Term Loan, you can lock in your rate for the full term
- Fair and transparent lending with fast decisions
- Fantastic rates from 6% (6.17% APR)
- Join and borrow instantly – no waiting period required for members!
Contact us and see if we can help!
Loan Calculator
As your local credit union, we offer smart, fair, and transparent car loans tailored to your needs. Whether you’re looking for competitive used car finance rates or prefer borrowing from a trusted community-focused credit union, we’ve got you covered. Get behind the wheel of the car that fits your budget today. Ready to hit the road? Apply now!
Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.
Warning: The cost of your monthly repayments may increase.
*APR Annual Percentage Rate
Variable
A Credit Union Home Improvement Loan of €30,000 over 8 years would cost €416.52 per month at a fixed rate of 7.5% (APR 7.76%). The cost of credit is €9,985.92 and the total amount repayable is €39,985.92.
A Credit Union Home Improvement Loan of €7,500 over 3 years would cost €242 per month at a variable rate of 9.99% (APR 10.46%). The cost of credit is €1,211 and the total amount repayable is €8,711.
Fixed Term
A loan of €20,000 over 5 years with 60 monthly instalments costs €386.66 per month at a Fixed rate of 6% (Annual Percentage Rate (APR) 6.17%). The total amount you pay is €23,199.60. Cost of credit is €3,199.60.
A loan of €40,000 over 7 years with 84 monthly instalments costs €603.71 per month at a Fixed rate of 7% (Annual Percentage Rate (APR) 7.23%). The total amount you pay is €50,711.64. Cost of credit is €10,711.64.
Variable rates may increase which would cause the cost of credit to increase. Terms & Conditions Apply –Whilst every care has been made in the production of this information, it is for illustrative purposes only and to give you an overview of the potential cost of borrowing at Croí Laighean Credit Union. It does not constitute a loan offer. Loans are subject to approval. Terms and conditions apply. * Terms and conditions apply to Free Loan Protection Insurance.