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About Our Motor Loans

8% Variable – 8.32% APR

Shopping for a New Car or have a PCP balloon payment due? Consider a Car Loan.

Here’s why:

  • Our Car Loan is a straight forward loan with regular repayments over an agreed term. There are no administration fees or hidden charges.
  • Unlike a PCP agreement you own the car from the outset and there are no surprise balloon payments.
  • As your repayments are calculated on a reducing balance you pay less interest.
  • Loans are insured by the Credit Union’s Loan Protection Insurance.  This gives the comfort of knowing that your family will not be left with the burden of loan repayments in the event of your death.  This cover is available at no extra cost. (Terms and Conditions apply).

Find out what you can afford to borrow

Loan Calculator

Features of Motor Loan

Whether you’re a first time driver or buying that dream car, we can get you on the road. With an Kilrush Credit Union car loan you own your car from day one. Our loan rate is extremely competitive, and we offer flexible payment options.

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!

Motor 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.

Not a member of Kilrush Credit Union?

Become a Member

Warning: All loans subject to a variable interest rate and we may change the interest rate, subject to prior notice in writing. This means the cost of your monthly repayments may increase or decrease.

Kilrush Credit Union
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