Why Borrow From Us?

We’re here for you.

Whether it’s a new car or kitchen, an attic conversion, a log cabin or an Agri loan, that sun holiday, wedding & honeymoon, Christmas, car repairs or much more, we’re happy to help because we’re here for you. Whatever you’re thinking of, small or large dreams, talk to us!
Did you know that we can issue loans up to €110,000. Maximum term is 10 years.

We approve 94% of all loan applications.

Yes, you read correctly. We approve over 94% of all loan applications. So if there’s something you want but need a helping hand, just ask, as we seldom refuse genuine loan applications from good standing members.

We offer great value loan rates.

Our loan rates are among the best in the market. We offer loans from as little as 6.5% (APRC 6.71%).

We will give you a quick decision.

Unlike other financial institutions, we deal with all the paperwork internally so won’t be left waiting for an answer. You can expect a loan decision within a couple of days.

We make it easy to apply for a loan.

We’re open five days a week, including Friday evenings. Phone us for a Friday late afternoon appointment if required. During our normal week there is no need to make an appointment for loans so it’s easy – drop in and talk to one of our dedicated loan officers whenever suits you.

1.  Apply ONLINE here on our website and upload your documents securely  https://carlowcreditunion.ie/
2.  You can print off an application from our Downloads page   
3.  Phone and talk to our Loan Officers on (059) 9131994. They can take an application over the phone, if more convenient for you.

Our Credit Manager – Siobhán Gray and our Lending Team can be contacted directly at the Loans Dept email address:- loans@carlowcreditunion.ie

We offer free loan protection insurance.

It means that if you die before your loan is repaid, the balance is cleared (subject to certain terms and conditions) so your dependents don’t have to pick up the tab, unlike some other financial institutions.

We don’t charge transaction fees.

It’s one of the many things that make us special; there are no transaction fees or administration charges, no hidden extras or nasty surprises.

We don’t penalise you for early repayment.

Some financial institutions may penalise you if you repay your loan early, by charging you an early exit fee. That’s not our style. If you want to repay your loan early, we won’t penalise you for it.

Interest is calculated on the reducing balance method.

It means you pay less interest with each repayment which can make a big difference over the lifetime of a loan.

We offer loans for just about anything.

So whatever you need, don’t be afraid to ask, we want to help you, we want to give you a loan. As your local credit union, we’re not here for profit, we’re here for you.


Notice to Loan Applicants & Members with Outstanding Loans.