Loans
What type of loan would you like?
From Home Improvements and Cars to One Year Loans and Business Finance we have the loan for you.
Find the perfect loan for you
Whatever your loan needs may be, we at Killarney Credit Union we have the loan for you. Simply click on a loan type to find out the various options available to you.
Car Loan
Finance your next car purchase with ease and confidence, with expert advice on the best options for you.
Home Improvement Loan
Upgrade and enhance your home with a loan designed to help you turn renovation plans into reality.
Personal Loan
Get flexible, unsecured financing for life’s important moments, big or small.
Mortgage
Secure the right mortgage deal with guidance from specialists who understand your homeownership goals.
Student Loan
Support your education journey with affordable, flexible loans tailored for students.
Green Loan
Invest in energy-efficient, eco-friendly projects with financing built for a sustainable future.
One Year Loan
A short-term borrowing solution ideal for covering immediate expenses over a 12-month.
Savings Secured Loan
Borrow against your savings to access funds while keeping your nest egg intact.
Cultivate Loan
Financial support crafted for agricultural projects and rural business ventures.
Business Loan
Fuel your business growth with financing solutions designed for startups and established companies alike.
Wedding Loan
Make your big day unforgettable with financing that covers everything from venues to honeymoons.
Christmas Loan
Plan the perfect getaway with a personal loan tailored for travel expenses and holiday adventures.
Community Loan
Empower local projects and initiatives with dedicated financing for community-focused efforts.
It Makes Sense Loan
A smart, versatile loan option designed to adapt to your personal financial needs.
Loan Calculator
Try out our quick and easy loan calculator below
Maximum Loan Term :
7.8%
7.8%
7.8%
This calculator is for illustrative purposes only, to give you, the borrower, an overview of the potential cost of borrowing. Killarney Credit Union, or any of its staff, cannot be held responsible for any errors. Please note that this calculator only provides an indicative quote and actual repayments may vary.
- Establish a good savings record by saving regularly so as to build up security for your loan. You can easily set up a savings plan by using your credit union BIC/IBAN and transferring funds from your salary/social welfare/current account.
- The more you save, the easier it is to borrow. By securing your savings against the amount your lending amount, you can borrow more at preferential rates.
- Plan ahead for your loan. Meet with our loans officer to discuss savings requirements, loan amount, repayment terms, and submit the necessary documents to begin the approval process.
- Complete a loan application form with a member of staff during office hours. Or use our online form to submit an application at any time, day or night.
- If necessary, a guarantor may be sought whereby a third party acceptable to the credit union agrees to guarantee the loan. They will be legally obliged to repay the loan should you fail to do so.
- Loan applications will be considered promptly and in the strictest of confidence. It is our policy to turn around loan decisions without undue delay.
- Loan applications can be made for any personal requirement such as Car Purchase, Educational Expenses, Home Improvements or Special Occasions such as Holidays or Weddings.
- You can also apply for a top –up on an existing loan at any time. You don’t have to repay one loan in full before applying for another. Terms and conditions may apply to certain top ups.
- Shares as Collateral
Members shares attached to the loan are always held as collateral for a member’s loan.
- Collection of Loans
The members must be present to complete their loan as the credit agreement, which is a legally binding contract, must be signed and witnessed in the Credit Union.
- Guarantor
The Credit Union can insist that a loan will only be granted subject to the member getting a suitable guarantor. A guarantor signs the credit agreement in addition to the borrowing member. In doing so, he/she is promising to repay the outstanding loan balance in the event of a member defaulting on their loan repayments. The Credit Union requires that a guarantor proposal form must be completed and returned to the office for approval before a guaranteed loan can be issued. Before the loan is issued, the guarantor must visit the Credit Union Office in order that the implications of their signature on the credit agreement can be explained to them. A guarantor’s ability to repay may also be assessed.
- Late Repayments
It is the policy of this Credit Union that all loans are repaid as per the conditions of the promissory note. If you have any problems making your repayments you should contact the Credit Control Officers immediately as it may affect your ability to borrow in the future.
- ICB Credit Check
It is a policy of Killarney Credit Union that all loans applications will be subject to a credit check with the Irish Credit Bureau (ICB).
- Appeal against non approval of loan
The Credit Committee automatically considers any loan not granted by a loan officer. When the Credit Union rejects a loan application, the member is entitled to appeal that decision to the Appellate Body. If the member is not satisfied with the service provided please contact the credit union.
Here to help
Sometimes there is nothing better than a conversation with someone who understands. Our local staff are here to speak with you and help in any way we can. Answers, ideas and solutions - talk to us today.
