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About Our Student Loans

6% Variable – 6.18% APR

For most people, the transition into third level education is a major change.  Whether you’re living at home with your folks, in lodgings, an apartment or a house-share, student life means a whole new way of living.  You have more choices to make – when to study, when to work, when to have fun and how to look after your money.

A student loan can help in many ways, whether it’s to pay for registration fees, rent, books, course material or just living expenses.

At this expensive stage in life, you’ll find that Kilrush Credit Union is here to help members with a low cost Student Loan package.  Here’s what makes our Student Loan different:

  • Very competitive variable rate – 6% (APR 6.17%)
  • No hidden fees or transaction charges.
  • Flexible repayment terms to suit your particular circumstances.
  • Interest is charged on your reducing loan balance, so you only pay interest on what you owe.
  • The amount you can borrow is not based on the value of shares held in the linked student account.
  • This loan package is available for those starting or returning to third level education.
  • Loans are insured by the Credit Union’s Loan Protection Policy.  This cover is available at no extra cost. (Terms & Conditions apply)

What you need to bring with you when applying for a loan?

To provide members with an efficient service where full loan assessment can be completed (for the most part within 24 hours), the following documentation will be required:

  • Recent pay slips (if applicable)
  • Up to date bank statements covering 3 months
  • Loan purpose backup e.g. course acceptance

A guarantor will also be required on all student loans. Evidence of Income and Expenditure will be requested for your guarantor also.

Find out what you can afford to borrow

Loan Calculator

Features of Student Loan

Whether you’re a student, mature student or parent of a student, talk to us and learn about all the ways it can make those financial challenges less challenging.

No Stress

We don’t want you to worry, so we’ll be here to answers all your concerns.

We Get Personal

With us you are more than just a number. It’s about more than just your credit history.

No Fees or Charges

Banks charge you fees to use your account. We don’t. Nothing. Zilch. Zero.

Reducing Interest

The more you pay off the less interest you pay. Nice!

Student Loan - Eligibility

If you are a member and you have shares saved then you may apply for a loan. No two cases are the same and each loan application will be looked at on its own merits. However some general guidelines about the criteria for loan assessment are as follows:


Are you saving regularly and how much you have in your savings.


Your ability to repay the loan.

History & Credit Check

Your previous history with the credit union and your credit check with ICB/CCR.

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