• Fast approval
  • Local service
  • Great rates


Car Loan

  • 7.49% (7.8% APR*)
  • Borrow up to €50,000
  • Quick decision

That perfect car is just a click away

Thinking of Changing your Car.  New, Classic, Pre-Owned and Commercial.  Let your Credit Union finance your Car.

Picking the perfect car can be tricky, but picking the perfect Car Loan is easy!  With a great rate of 7.8% APR* and flexible repayments, the Car Loan from Killarney Credit Union is the perfect choice to get that new set of wheels.

  • SAME DAY APPROVAL (Ts&Cs apply)
  • 7.49% (7.8% APR*)
  • Borrow up to €50,000
  • Quick decision
  • Pre approval possible

Great reasons to pick a Car Loan from Killarney Credit Union

There are so many reasons to choose our Car Loan, from flexible repayments to no suprise fees or lump sums to repay.  

  • SAME DAY LOAN APPROVAL. (T’s & C’s apply).
  • 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.
  • You can get pre approval for a car loan, so you can shop around first.
  • 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.
  • No deposit or upfront payments needed for your car.
  • No lump sum payments for your car at the end of the finance arrangement.
  • You are not tied to any motor dealer or brand.
  • Unlike some motor finance deals, there are no mileage restrictions.
  • You can sell on the car at any time.
  • Unlike hire purchase agreements, you own the car from the start.
  • Competitive Loan Rate of 7.49%. (7.8% 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 Car Loan from Killarney Credit Union.


Loan Repayment Table




Number of


Cost of Loan

Total Loan

€5,000 7.8% 2 Years 104 €51.80 €386.29 €5,386.29
€8,000 7.8% 5 Years 260 €36.90 €1,591.30 €9,591.30
€10,000 7.8% 5 Years 260 €46.12 €1,989.40 €11,989.40
€12,000 7.8% 5 Years 260 €55.34 €2,387.49 €14,387.49
€15,000 7.8% 5 Years 260 €69.18 €2,984.09 €17,984.09
€20,000 7.8% 5 Years 260 €92.23 €3,979.34 €23,979.34
€25,000 7.8% 7 Years 364 €88.24 €7,116.63 €32,116.63
€30,000 7.8% 7 Years 364 €105.89 €8,539.73 €38,539.73


Typical APR Variable Car Loan Rate (7.8% APR). Lending terms and conditions apply. Loans are subject to approval. Table is for illustration only and does not constitute a contract.

Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may effect 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 three branches and our staff will be happy to assist you.

Proof of Identity

e.g. 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

Proof of PPS Number

Correspondance from Revenue / Department of Social Protection, Social welfare receipts

For Self Employed Members:

Set of accounts (2 recent years), Form 11,Tax Clearance Certificate

Current Bank Statements

may be required (last 3 months)

Credit Card Statements

(last 3 months)



Car Loan Terms & Conditions

  • Maximum loan amount is €50,000.
  • Proof of Purchase (invoice from garage, copy of seller's vehicle registration certificate, copy of advert for private sales).
  • 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