Christmas Loan

Planning something special or just need some help with buying the presents?

Make sure you wrap up a bargain with our Christmas Loan.

Apply Now

Loan Application Process

How to Apply for a loan with Carlow Credit Union!

1

Become a Member

Join Carlow Credit Union and avail of numerous tailored benefits, outstanding cumstomer service and amazing community

2

Calculate your Loan

Estimate how much you could borrow and calculate your repayments: weekly, fortnightly or monthly using our online calculator.

3

Apply for Loan Online

Start your application: You can apply for a loan with us online, over the phone or in person at any of our offices.

4

Sit back and relax!

The decisions are made quickly on loan applications and we can transfer the money directly to your bank account.

Our Loans

Apply for a loan with interest rates that suit you!

Maximum Loan Amount :
Maximum Loan Term :


Term

Repayment Frequency
APR
9.41%
Repayments
Total
APR
9.41%
Repayments
Total
APR
9.41%
Repayments
Total
APR
9.41%
Repayments
Total

This calculator is for illustrative purposes only, to give you, the borrower, an overview of the potential cost of borrowing. The 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.

Representative example

We understand that Christmas can be a very expensive time of the year for lots of our members.

Picking the right presents can be challenging but the Carlow Credit Union Christmas Loan is an easy choice.

Spread your costs out over the holidays and enjoy the celebrations without any stress!

Loan Amount

€1,000

Rate of interest - APR

9.41%

Loan Term

3 years

Total interest

€145

Montly Repayment

€32

Total Cost of Credit

€1,145

Our minimum loan is €500 and the most you can borrow with us is €140,000. Savings may be required as collateral depending on the amount you wish to borrow.

You can apply for a loan today even if you never saved with us in the past!

Members subject to PAYE must submit 1 recent payslip, dated within the last 2 months which shows cumulative Gross Pay and Taxation Balances OR must submit 3 months bank statements where the most recent salary transaction is dated within 2 months of the date of application.

Self Employed Members must submit a copy of the most recent Balancing Statement from the Revenue Commissioners or relevant tax authority

Members on social welfare payments must submit the 1 most recent social welfare slip which must be dated within the last 2 months of the date of application OR must submit 3 months bank statements where the most recent social welfare transactions are dated within the last 2 months of the date of application.

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