Loans

    Loans at Carrick on Shannon & District Credit Union Ltd

    The two most important things about a loan are, being able to borrow the money and being able to repay it. At Carrick-on-Shannon & District Credit Union Ltd we encourage you to manage your money carefully by structuring loans around your needs and your ability to repay.

    Why a Carrick-on-Shannon & District Credit Union Loan is different;

    • There are no hidden fees or transaction charges.
    • Our interest rates are fair and reasonable compared to others in the market.
    • Repayments are calculated on your reducing balance, so you pay less interest with each repayment.
    • Your credit union loan is insured – subject to terms and conditions – at no direct cost to you. Other lenders charge for this.
    • You can pay off your loan early, make additional lump sum repayments or increase your regular repayments, without a penalty. Other lenders may charge you extra for paying them back faster!

    We offer a range of loan rates depending on the type of loan you are looking for. For example we have a standard loan rate of 8.99%, Home Improvements loan rate of 7.49% , Secure Loan of 5% (where you shares exceed loan required) and lastly Interest free student loans for a period of 6 months (Sept to March each year which then reverts back to 8.99% on March 1st )

    This means you can borrow at a reasonable rate of credit compared to other financial providers – compare us to other financial service providers and you will see that you get a great deal at Carrick-on-Shannon & District Credit Union.

    How do I apply for a loan?

    To begin, with you have to be a member of Carrick on Shannon & District Credit Union Ltd. For more information on becoming a member please click here. For members, please visit or call us and we can discuss your needs and give you an application form.

    Loans are subject to approval. Terms & Conditions apply.

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