Killarney Credit Union

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Loans

Great rates, flexible options and friendly local service.

 
Beech Road

064 KillarneyCU6631344

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Park Road

064 KillarneyCU6631344

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Kenmare

064 KillarneyCU6631344

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Home Improvement Loans

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Beech Road

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Park Road

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Kenmare

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Killarney Credit Union

Loans

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Wedding Loan

Celebrate your special day with a little help from your credit union.

 

  1. Competitive personal & bridging loan rates of 10% (10.5% APR).
  2. You benefit from loan protection insurance at no added cost (terms & conditions applies).
  3. No set up charge or account fees.
  4. Your repayments can be scheduled to suit your circumstances.
  5. You can top up your loan if you need more funds (subject to approval).
  6. You can protect your loan with repayment protection insurance (terms & conditions applies).
  7. You can avail of bridging finance for short term lending for 6 months or less, you pay the interest and loan principal at the end of the term.
  8. You can avail of free life, disability and critical illness cover on your loan (terms & conditions applies).
  9. Quick approval for smaller loans.
  10. As your loan decreases, so does your interest repayments.
  11. You can avail of both the personal loan and bridging loan product as required.
  12. No penalty for repaying your loan earlier.

 

 

Personal Loan Repayment Table

Amount Term APR* Monthly Repayments Total Cost of Credit
€500 1 Year 10.5% €43.96 €27.43
€1,000 1 Year 10.5% €87.91 €54.90
€3,000 2 Years 10.5% €138.43 €322.21
€5,000 3 Years 10.5% €161.34 €807.50
€7,000 3 Years 10.5% €225.87 €1,130.64
€10,000 5 Years 10.5% €212.51 €2,746.05
€15,000 5 Years 10.5% €318.76 €4,119.26
€20,000 5 Years 10.5% €425.02 €5,492.43
€30,000 8 Years 10.5% €455.52 €13,680.61
€40,000 8 Years 10.5% €607.36 €18,241.05
€50,000 8 Years 10.5% €759.20 €22,801.42

 

Bridging Loan Repayment Table

Amount Term APR* Total Cost of Credit Total Repayments
€5,000 6 Months 10.5% €249.14 €5,249.14
€7,000 6 Months 10.5% €348.80 €7,348.80
€10,000 6 Months 10.5% €498.28 €10,498.28
€15,000 6 Months 10.5% €747.43 €15,747.43
€20,000 6 Months 10.5% €996.57 €20,996.57
€25,000 6 Months 10.5% €1,245.72 €26,245.72
€30,000 6 Months 10.5% €1,494.86 €31,494.86

  

Tables are for illustration purposes only and does not constitute a contract.

Typical APR variable Personal Loan Rate (10.5% APR). Lending terms and conditions apply. Loans are subject to approval.

Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your ability to access credit the future.

 

Terms & Conditions

 

  • Maximum term is up to 8 years.
  • Maximum loan amount €50,000 (net of shares).
  • Maximum number of top ups os 3 per year (subject to board discretion).
  • We may seek your permission to undertake a credit bureau check with your loan application.

 

Documentation Requried

  • Completed application form - Simply call to any of our three branches and our staff will be happy to assist you.
  • Proof of Identity - e.g. passport, driver’s license
  • Proof of Current Address (last 3 months) - e.g bank statements, utility bill, social welfare letter, government document etc
  • Proof of Income - e.g 3 most recent pay slips or social welfare payment receipts
  • For Self Employed Members:
    • 2 most recent years Notice of Assessment and accounts.
    • Tax Clearance Certificate
  • Current Bank Statements - may be required (last 3 months)
  • Credit Card Statements - may be required (last 3 months)
  • Other information deemed necessary by the credit union

 

 

Download the information leaflet as a PDF

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