• Fast approval
  • Local service
  • Great rates


Home Improvement Loan

  • 8% (8.3% APR*)
  • Borrow up to €80,000
  • No hidden fees

Imagine More

For Big Dreams and Small Dreams and those in between.

 When it comes to home, we all know how important those little (and large!) improvements are.  The Home Improvement Loan from Killarney Credit Union is here to help you get the job done.

  • 8% (8.3% APR*)
  • Borrow up to €80,000
  • Tailored repayment terms
  • No hidden fees
  • Friendly local service

What type of project are you thinking about?

Our Home Improvement Loan is here to help with many different types of projects - from driveways and doors to kitchens and carpets (and a lot of things in-between).  Some of the most popular improvements include:

  • Exterior and Garden
  • New Extension
  • New Windows & Doors
  • New Driveway
  • New Patio
  • Fences and Gates
  • Sheds
  • Garden Landscaping
  • Interior
  • New Bathroom
  • New Kitchen
  • Renovations
  • Redecorating
  • Repainting
  • Tiles & Flooring
  • New For Your Home
  • Furniture
  • Home Appliances
  • Televisions
  • Patio Furniture
  • Barbeque

Great reasons to choose a Home Improvement Loan from Killarney Credit Union

Here are some of the many reasons to choose our great value Home Improvement Loan.

  • 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 8%. (8.3% APR)
  • Borrow up to €80,000 over a maximum term of 10 years
  • Support your credit union by borrowing locally.

Further information:

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


Further Information:

Loan Repayment Table




Number of


Cost of Loan

Total Loan

€5,000 8.3% 2 Years 104 €52.06 €413.26 €5,413.26
€7,000 8.3% 5 Years 260 €32.67 €1,493.34 €8,493.34
€10,000 8.3% 5 Years 260 €46.67 €2,133.42 €12,133.42
€15,000 8.3% 5 Years 260 €70.01 €3,199.84 €18,199.84
€20,000 8.3.% 5 Years 260 €93.34 €4,266.85 €24,266.85
€25,000 8.3% 7 Years 364 €89.68 €7,642.35 €32,642.35
€30,000 8.3% 7 Years 364 €107.62 €9,170.33 €39,170.33
€40,000 8.3% 10 Years 520 €111.69 €18,072.94 €58,072.94
€60,000 8.3% 10 Years 520 €167.53 €27,110.79 €87,110.79


Typical APR variable Home Improvement Loan (8.3% APR). Lending terms and conditions apply.

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.

Table is for illustration purposes only and does not constitute a contract. Figures correct as of March 2021.

Documentation Required

Completed application form

Simply apply online, over the phone or call to any of our 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.

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


Home Improvement Loan Terms & Conditions

  • Maximum term is up to 10 years.
  • Maximum loan amount is €80,000.
  • 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