• Fast approval
  • Local service
  • Great rates


Christmas Loan

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

Getting ready for Christmas?

Wrap up a bargain with a credit union Christmas loan.

Picking the perfect presents can be hard but the Christmas Loan from Killarney Credit Union is the easy choice to help make Christmas magical.

  • 8.2% (8.5% APR*)
  • Borrow up to €5,000
  • Maximum term of 1 year
  • No hidden fees
  • Quick decision

Great reasons to pick a Christmas Loan from Killarney Credit Union

Here are just a few of the many reasons to choose our Christmas 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 8.2%. (8.5% APR)
  • Borrow up to €5,000 over a maximum term of 1 year.
  • Support your credit union by borrowing locally

Further information:

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


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


Typical APR Variable One Year Loan (Christmas Loan) 8.5% 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)



Christmas Loan Terms & Conditions

  • Maximum term is 12 months.
  • Maximum loan amount is €5000.
  • No loan top ups allowed.
  • We may seek your permission to undertake a credit bureau to 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