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About Our Personal Loans

Up to €19,999: 10% Variable – 10.47% APR

€20,000 – €75,000: 8.75% Variable – 9.11% APR

Kilrush Credit Union offers personal loans up to €75,000 and are available for any personal needs, such as dental, legal, holidays, weddings etc.

Here’s what makes our Personal Loans different:

  • Flexible, low cost way of covering your expense
  • Straight forward loan with regular repayments over an agreed term.
  • No administration fees or hidden charges.
  • Interest is charged on your reducing loan balance so your repayments are based on what is actually outstanding.
  • 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).
  • Loan interest rebates may apply.  See the benefits section for more information.

Find out what you can afford to borrow

Loan Calculator

Features of Personal Loan

Whether you are looking for a loan to do up your home, buy a car, organise your dream wedding or to go on a trip of a life, Kilrush Credit Union will have the loan for you.

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!

Personal Loan - Eligibility

You don’t need to be an existing member and can join and apply for a loan straight away. 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:


Your ability to repay the loan.

History & Credit Check

Your previous lending history and your credit check with the CCR.


Are you saving regularly?

Not a member of Kilrush Credit Union?

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