Why our loans are the best

Whatever you have your heart set on – from a new car to home improvements, or from a holiday to an educational loan – we can help you turn your dream into a reality with affordable interest rates from just 6.5% variable (6.71% APR). You will typically have a decision on your loan application within just two days, and the funds can be released to you as soon as you formally agree to accept the loan.

Free Loan Protection Insurance
Low Interest Rate
Tailored Repayments to suit your needs
Speedy decisions

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Free Loan Protection Insurance

In the unfortunate event of your death during the term of your loan, your outstanding loan balance would be cleared in full free of charge

* * Terms & conditions apply

Low Interest

Rate Receive an affordable Interest rate of just 8.99% (9.4% APR) on all Loans for less than €25,000 and 6.5% (6.71% APR) on all loans greater than €25,000.

Tailored Repayments to suit your needs

Here at Credit Union Plus, we tailor your repayments to meet your own personal circumstances, and we advise you of the best method of repayment. Choose from weekly, fortnightly or monthly repayments to suit your needs. You can also repay your loan at any time – without any penalties – and there are no fees, no charges and no costs for processing your loan.

Speedy decisions

Decisions are usually issued within 2 working days of receipt of application and all supporting documentation.

We offer a range of loans


New savers loan

Borrow up to the amount in your savings with no paperwork from Credit Union Plus, no fuss you just need your Photo ID and PPS (but not the Public Services Card) and get your loan on the spot. Contact us now and get that loan application underway! We have loans to suit you whatever the occasion with one of the lowest interest rates around. Only 5.95%! (Typical Variable APR is 6.13%)

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The Great Rate Loan

Have you got lots of loans with different interest rates & repayment dates?. Swap them all now for a Great Rate Loan with an interest rate of 6.5% (6.71% A.P.R) and save money with one easy repayment! This fantastic Great Rate loan is available on all NEW loans between €25,000 and €100,000.

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Car loan

With a competitive and affordable car loan from Credit Union Plus, you’ll enjoy all the bargaining power of a cash buyer, plus the ability to buy new or second-hand. And unlike a car loan from a mainstream bank, you actually own the car from Day 1, and are not faced with ‘balloon payments’ at the end of your term

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Home Improvement Loan

From small home renovations and furnishings to full Retrofits, Credit Union Plus have the Loan for you. With a Home Improvement Loan with Credit Union Plus you can avail of a highly favourable interest rate, with interest only paid on the reducing balance. There are no extra charges, such as processing charges or documentation fees. Additionally, there are no penalties for early settlement.

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Holiday Loan

No matter what type of Holiday you are planning, Credit Union Plus have the Loan to fit. Whether you’re planning a lazy week in the sun relaxing by the pool or you’re planning something more adventurous like skiing down the slopes in Austria or backpacking around Australia for a month, talk to us about financing your holiday.

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Educational Loans

Realise your potential with a Loan from Credit Union Plus. Are you attending college this year? If so, Credit Union Plus can assist with a loan to cover the costs of Course Fees, Books, Equipment, and Accomodation.

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Our simple application process

Credit Union Plus will consider loan applications from members for any worthwhile purpose. Each application is treated in the utmost confidence and will be considered on its own merits. It is our policy to meet the borrowing requirements of as many members as possible. Please note that a loan application cannot be considered without CCR consent and a Loan Application Checklist. There will be various conditions that must be complied with depending on your previous loan history. * Terms & Conditions apply

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Begin your application either online or by phone


Provide any required supporting financial documentation


Call in to any of our offices to sign your Agreements and collect your funds

Terms & Conditions

Terms & Conditions apply. E&OE. All loans are subject to application and approval, creditworthiness and repayment ability will be assessed. Lending Terms & Conditions apply. Variable Interest Rate is 8.5%, Typical APR is 8.86%. Minimum borrowings €100 – maximum is dependent on repayment capacity. Minimum duration is 1 month – maximum is dependent on the purpose of the loan. Loans require a minimum share balance to be retained until the loan is cleared in full. Warning: if you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.