• Fast approval
  • Local service
  • Great rates


One Year Loan

  • 8.2% (8.5% APR*)
  • Borrow up to €5,000
  • Quick decision

Sometimes you need short term cash for life’s little expenses.

Plan for recurring bills such as Heating, Health Insurance, Car Tax & Insurance.

Or other short term expenses  such as Communions, Holidays, Events & Celebrations, Clearing Debts, Furniture & Household Applicances, Christmas  and many other purposes.

  • 8.2% (8.5% APR*)
  • Borrow up to €5,000
  • Friendly local service
  • Repayments tailored to your needs
  • No hidden fees

Great reasons to pick a One Year Loan from Killarney Credit Union

There are so many reasons to choose our One Year Loan, from quick loan application decisions to repayments tailored to meet your needs.  

  • 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 8.2%. (8.5% APR)
  • Borrow up to €5,000 over a maximum term of 1 year.
  • Support your credit union by borrowing locally.

Further Information:

Loan Repayment Table




Number of


Cost of Loan

Total Loan

€500 8.5% 1 Year 52 €10.03 €21.10 €521.10
€750 8.5% 1 Year 52 €15.04 €31.66 €781.66
€1,000 8.5% 1 Year 52 €20.05 €42.22 €1,042.22
€1,500 8.5% 1 Year 52 €30.07 €63.33 €1,563.33
€2,000 8.5% 1 Year 52 €40.09 €84.45 €2,084.45
€2,500 8.5% 1 Year 52 €50.11 €105.57 €2,605.57
€3,000 8.5% 1 Year 52 €60.13 €126.69 €3,126.69
€4,000 8.5% 1 Year 52 €80.18 €168.80 €4,168.80
€5,000 8.5% 1 Year 52 €100.22 €211.14 €5,211.14


Typical APR variable One Year Loan rate (8.5% APR). Lending terms and conditions apply. Loans are subject to approval. Table is for illustration only and does not constitute a contract. Repayment 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. 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, Completed Form F11.

Current Bank Statements

may be required (last 3 months)

Credit Card Statements

(last 3 months)

Other information deemed necessary by the credit union


One Year Loan Terms & Conditions

  • Maximum term is up to 12 months.
  • Maximum loan amount is €5,000.
  • No top ups allowed.
  • 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