Services Loans

APPLY FOR A LOAN

Whether you're looking to borrow to help with your household expenses or for a larger purchase, we have the right personal loan to suit you. We've made it easy to borrow as little as €500 at a fair, affordable rate with no application fees and no early repayment charges.

Loan Calculator

Loans at a Glance

Borrow from as little as €500

    Providing loans to Members on competitive terms is one of the main purposes of a Credit Union. It is the way in which the pool of Members’ savings is used for the advantage of other Members who need access to funds. As the Members who borrow pay interest for the use of the money - everyone benefits.

    Because we are a Not-For-Profit co-operative, our lending policies and procedures are designed to grant loans on the best possible terms. These include:

    • Competitive rates of interest

    • Flexible repayment terms

    • Free life insurance

    OUR LOANS AT A GLANCE

    RATE

    Allowable Purpose

    Rate per Annum

    Typical APR

    Standard

    All purposes with facility to “top-up”

    12.00%

    12.68%

    Car Loan

    Car purchase with facility to “top up”

    8.95%

    9.33%

    Covered Loan

    All purposes with facility to “top-up”

    6.75%

    6.98%

    Christmas Cash Loan

    Christmas Expenses

    7.95%

    8.27%

    One 4 One Loan

    €1000 Loan for one year

    5.50%

    5.65%

What you need to apply for a loan

    We always assess a loan application on the basis of a member’s ability to repay a loan, recent Central Bank guidelines require us to ensure that a Member is not in arrears and that they can afford all existing debts during the term of the loan application we are reviewing.

    To speed up your Loan Application, it may be useful to know that you will be required to provide proof of your ability to repay.

    Some of the following documentation may typically be required:


    Proofs of Income:

    • At least 2 most recent consecutive payslips

    • Bank statement for previous 3 months

    • Most recent certified accounts (if Self Employed)

    • Tax clearance certificate (if Self Employed)

    • Or Letter from Accountant Confirming Net Income and Tax affairs in order (if self Employed)

    • Other information if required


    Further Information may be required following a check of the Irish Credit Bureau Database. E.G,

    • A current Mortgage Statement

    • Statement’s for personal or HP loans

    • Credit Card Statements

    • Other information if required


    The application process will also include:

    • An update of your details on our system (e.g. Photo ID & proof of Address)

    • Standard questions regarding the purpose of the loan

    • Details of your household income and outgoings.

    • As part of this process Irish Credit Bureau consent will be requested from you.

    This list is a guideline only. You may be required to bring other documentation, depending on the complexity and/or purpose of the loan.


    Loan applications will not be processed if there are arrears on an account or until all required proofs of income and other information (if required) has been submitted

Representative Example of a Standard Loan

Typical example: Weekly repayment of €51.15 with APR of 12.74% based on a loan amount of €10,000 over a repayment period of 60 months. Total amount repayable €13,298.23. Loans available to existing members only. Terms & conditions apply.

Clondalkin Branch
  • Tel: 01 457 0884
  • Fax: 01 457 5310
  • Email:
  • Address: 22 Main Street, Clondalkin, Dublin 22
    ::Contact Us::
Opening Hours
  • mon
  • tue
  • wed
  • thu
  • fri
  • sat
  • 09:30-16:30
  • 09:30-16:30
  • 09:30-13:00
  • 09:30-16:30
  • 09:30-20:00
  • CLOSED
Four Corners Branch
  • Tel: 01 458 9888
  • Fax: 01 458 0813
  • Address: Main Street, Rathcoole, Co. Dublin
Opening Hours
  • mon
  • tue
  • wed
  • thu
  • fri
  • sat
  • 09:00-17:00
  • 09:00-12:30
  • CLOSED
  • 09:00-17:00
  • 09:00-17:00
  • 09:30-12:30
Clondalkin Credit Union Ltd is Regulated by the Central Bank of Ireland. Reg No. 1CU