Get a Credit Union Loan

Our loans have straightforward terms and conditions, do not carry any hidden fees or charges, and are offered with flexible repayment options.

** All figures given on this web site are for your general information only, and give a rough guide to loan repayments. Any statements on this web site do not purport to be authoritative or legally binding. You are advised to check with our offices for up-to-date rates and offers.

24 Months

**Information is correct as at 16/09/2020.
Whilst every care has been made in the production of this information, it is for illustrative purposes only and to give you an overview of the potential cost of borrowing at Swinford & District Credit Union Ltd. It does not constitute a loan offer. This document is for illustrative purposes only, so as to give you, the borrower, an overview of the potential cost of borrowing and does not constitute an offer of finance or repayments.

Loans at Swinford & District Credit Union

Imagine More!  Whether you’re dreaming of a new car, a boat or a truck, or a holiday, or windows – then you might be in luck!

Talk to us at Swinford & District Credit Union today about our range of monster loans.  Because for all of your dreams that are big or small, we’ve got you covered with our monster loan range.

Imagine – a straight forward loan, with no sneaky conditions.  Credit Unions offer flexible loans of all sizes.  You can pay off the loan early or increase your repayments, all without any scary penalties!

Imagine – a loan from a lender at the heart of your Community.  Credit Unions are not-for-profit and are owned by our members, the people who save with us and borrow from us.  All decisions are taken at local level, in the best interest of our members.

Imagine – a loan with built-in insurance, at no cost to you!  This is designed to pay off a loan in the event of a borrower’s death – subject to terms, conditions and eligibility criteria.

Our Loan Rates

Secured Rate 6.5%

Standard Car Loan 7.5%

Home Improvements 7.5% for over €10,000

Education 7.5%

Personal Loan 12%

We’re Lending

We are open for business and have more than adequate funds available to meet our members borrowing needs. Why a Swinford & District Credit Union Loan is different;

  • There are no hidden fees or transaction charges.
  • Our interest rates are fair and reasonable compared to others in the market.
  • Repayments are calculated on your reducing balance, so you pay less interest with each repayment.
  • Your credit union loan is insured – subject to terms and conditions – at no direct cost to you. Other lenders charge for this.
  • You can pay off your loan early, make additional lump sum repayments or increase your regular repayments, without a penalty. Other lenders may charge you extra for paying them back faster!

Our loan rates of 12.00% ( APR 12.68% ) for Home Improvements and 12.00% ( APR 12.68% ) for General Personal Loans* mean you can borrow at a very competitive interest rate.

*For a €1000, 3 year variable interest rate loan, with monthly repayments of €33.21, an APR of 12.68%; the total amount payable by the member will be €1195.71. cost of credit €195.71 How do I apply for a loan? To begin, with you have to be a member of Swinford Credit Union.

For more information please visit or call us and we can discuss your needs.  Loans are subject to approval. Terms & Conditions apply.

Contact us for a

Loan Enquiry

Please get in touch below and our customer service team will be in touch withy you regarding booking an appointment to discuss your loan further.