• Fast approval
  • Local service
  • Great rates


Personal Loan

  • 10% (10.5% APR*)
  • Term up to 8 years
  • Quick approval

Personal Loans from Killarney Credit Union

We have a loan to suit all your personal needs.

The Personal Loan from Killarney Credit Union is the perfect choice for those personal plans and items.  With amounts of up to €50,000 available and repayments tailored to your needs, our Personal Loan is here for you.

  • 10% (10.5% APR*)
  • Term up to 8 years
  • Quick approval
  • Top up possible*
  • No set up charge

Why choose a Personal Loan from Killarney Credit Union?

Here are a few of the great reasons...

  • Repayment terms tailored to meet your needs.
  • Friendly Local Service.
  • No penalties for repaying your loan early.
  • No hidden fees, transaction charges, or set up fees.
  • As your loan decreases so does your interest repayments.
  • Benefit from Free Loan Protection Insurance. (T’s & C’s apply.)
  • You can apply for and draw down your loan online and in branch.
  • No documentation or arrangement fees.
  • You can top up your loan if you need more funds (subject to approval).
  • Competitive Loan Rate of 10%. (10.5% APR)
  • Borrow up to €50,000 over a maximum term of 8 years.
  • Support your credit union by borrowing locally.

Further information:

Click any of the sections below to learn more about the great value Personal Loan from Killarney Credit Union.


Loan Repayment Table




Number of


Cost of Loan

Total Loan

€2,000 10.5% 2 Years 104 €21.24 €207.89 €2,207.89
€3,000 10.5% 3 Years 156 €22.27 €473.93 €3,473.93
€5,000 10.5% 3 Years 156 €37.12 €789.91 €5,789.91
€7,000 10.5% 5 Years 260 €34.22 €1,895.04 €8,895.04
€10,000 10.5% 5 Years 260 €48.88 €2,707.64 €12,707.64
€15,000 10.5% 5 Years 260 €73.32 €4,061.46 €19,061.46
€20,000 10.5% 5 Years 260 €97.76 €5,415.28 €25,415.28
€30,000 10.5% 7 Years 364 €114.57 €11,701.85 €41,701.85
€40,000 10.5% 8 Years 416 €139.63 €18,082 €58,082
€50,000 10.5% 8 Years 416 €174.54 €22,601.95 €72,601.95


Typical APR variable personal loan rate (10.5% APR). Lending terms and conditions apply. Loans are subject to approval. Table is for illustration only and does not constitute a contract. Figures correct as at March 2021.

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.

Documentation Required

Completed application form

Simply call to any of our branches and our staff will be happy to assist you.

Proof of Identity

e.g. valid passport, driver’s license

Proof of Current Address (issued within the last 6 months)

e.g bank statements, utility bill, social welfare letter, government documents etc

Proof of Income

e.g 3 most recent pay slips or social welfare payment receipts

For Self Employed Members:

Notice of assessment and accounts (2 years), Completed Form 11,Tax Clearance Certificate

Current Bank Statements

may be required (last 3 months)

Credit Card Statements

(last 3 months)

Other information deemed necessary by the credit union


Personal Loan Terms & Conditions

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


Download a PDF Information Leaflet

Click the icon below to download a PDF with further information.

Click to download an information leaflet

How much will your loan cost?

At Killarney Credit Union we are proud to offer some of the best rates available for a wide range of loans. Here you can use the handy loan calculator to quickly get an idea of the cost of a loan.

Simply enter the amount you wish to borrow (for example '€5,000') then choose the type of loan you want and select how long you wish to take the loan for.

Information is correct as at March 2021.

Please Complete:

Calculated Loan Details:

* Calculator for estimation purpose only and does not constitute a contract. Please see individual loan pages for more details.




From Killarney Credit Union


Fast approaval

Great rates

Local service

Flexible repayments