• Fast approval
  • Local service
  • Great rates


Student Loan

  • 6% (6.2% APR*)
  • Borrow up to €50,000
  • Choice of repayment options

Going to college?

We've got the flexible student loan for you

The Student Loan from Killarney Credit Union is the perfect choice for a  wide variety of purposes.

Suitable for Third Level, Masters, Adult Education, College Registrations, Accommodation Costs, Course Fees, Laptops and Back to School.

  • 6% (6.2% APR*)
  • Borrow up to €50,000
  • Choice of repayment options
  • No penalties for early repayment

Why choose us for a student loan?

  • A student loan can be used for a wide variety of purposes i.e. tuition & registration fees, accommodation costs, laptops and course materials.
  • You benefit from Loan Protection Insurance at no added cost (terms & conditions apply).
  • There are no penalties for early repayment of loan.
  • The maximum term is 8 years (suitable for Post grad, Masters, PhD studies)
  • There is a choice of repayment options available.
  • You can borrow with a parent or guardian.

Further Information:

Loan Repayment Table




Number of


Cost of Loan

Total Loan

€5,000 6.2% 2 Years 104 €51.04 €308.01 €5,308.01
€7,000 6.2% 3 Years 156 €49.05 €651.00 €7,651.00
€10,000 6.2% 3 Years 156 €70.07 €930.02 €10,930.02
€10,000 6.2% 5 Years 260 €44.53 €1,575.12 €11,575.12
€12,000 6.2% 5 Years 260 €53.43 €1,890.40 €13,890.40
€15,000 6.2% 5 Years 260 €66.79 €2,362.90 €17,362.90
€20,000 6.2% 8 Years 260 €89.05 €3,150.67 €23,150.67
€30,000 6.2% 8 Years 416 €90.78 €7,764.12 €37,764.12
€50,000 6.2% 8 Years 416 €151.30 €12,940.20 €62,940.20


Typical APR variable Student Loan rate (6.2% 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. passport, driver’s license

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

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

May be required (last 3 months)

Other information deemed necessary by the credit union

Education Loan Terms & Conditions

  • Maximum loan amount is €50,000.
  • Proof of purpose may be required (college registration, fees invoice, accommodation costs, course material etc.).
  • We may seek your permission to complete a credit bureau check with your application.
  • Parents applying for loans on behalf of students or acting as guarantors for students will need to supply the standard loan documentation as stated above and will be assessed separately.


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