Loans
Find A Loan For You
Our loans have straightforward terms and conditions, do not carry any hidden fees or charges, and are offered with flexible repayment options. Loans Freephone 1800 945 987
We have the right loan to suit you
Eco Loan
€15k 5.75%
Our eco loan helps you invest in a greener future effortlessly, offering low rates, flexible terms, and convenient repayment options.
Car Loan
Over €20k 6.5%
Our car loans provide a simple, affordable, and convenient way to easily finance and drive away with your dream car today.
Home Improvement
Over €25k 5.25%
From kitchen makeovers to installing new windows, our home improvement loan provides the necessary funds to bring your vision to life.
Mortgage
4%
Our trusted advisers are always here to guide, assist, and support you every step of the way on your journey home.
Standard Loan
10.49%
Whether it's for a special occasion or personal projects, our standard loan offers a simple, affordable solution.
Share Covered Loan
5.25%
With a share covered loan, you can securely borrow at a lower rate while using your savings as reliable collateral.
Agri Loan
5.99%
Whether you need new equipment, livestock, or working capital, our agri loan supports your farm’s success and growth effectively.
Business Loan
5.25%
We support local businesses by providing fair, flexible funding, allowing you to concentrate on what you do best and thrive.
Home Energy Upgrade
3.25%
Whether you’re looking to make your home warmer, increase your Building Energy Rating (BER), reduce your energy bills.
Loan Calculator
Try out our quick and easy loan calculator below
Maximum Loan Term :
5.9%
5.9%
5.9%
This calculator is for illustrative purposes only, to give you, the borrower, an overview of the potential cost of borrowing. The Credit Union, or any of its staff, cannot be held responsible for any errors. Please note that this calculator only provides an indicative quote and actual repayments may vary.
Online Banking
You can now check you account balances all from the comfort of your home.
Loan Applications
Everything you need to know
Clonmel Credit Union will consider loan applications from members for a wide range of purposes. Each application is treated in the utmost confidence and will be considered on its own merits. Our staff are here to help members in making the application.
Loans can be applied for by:
- Freephone 1800 945 987
- Online. Click here for more info
- In Branch at any of our three offices
Typical supporting documents include, but are not limited to, recent payslips / proof of income, bank statement for the last 6 months and PPS. Each application is assessed on an individual basis & you must be a member. Member’s record of savings, loan repayments & ability to repay are taken into account. If you are topping up your loan with Clonmel Credit Union, the criteria applies to your overall loan balance.
Up to €20,000 - Proof of Income (eg recent payslips)
€20k-€30k - Proof of Income, Recent 6 month Bank Statement, Recent Credit Card Statement (if applicable).
€30k-€50k - Proof of Income, Recent 6 month Bank Statement, 1 Recent Mortgage Statement (if applicable), 3 Recent Credit Card Statements (if applicable).
NOTE: Additional info may also be required by lenders before loan can be considered
Credit unions are flexible with regard to repayment plans, though there are some legal limitations to length and amount of loans. The member will be advised on the best repayment plan to meet their own circumstances. Ten years is currently the maximum loan term although five years is the recommended norm. Should a member experience difficulties in meeting repayment commitments, they should immediately contact us and we can talk in confidence about the situation. Depending on circumstances, the loan will be renegotiated if possible.
There are no penalties associated with clearing your loan quicker than agreed.
Loans are subject to approval. If you don't not meet your repayments your account will go into arrears. This may affect your credit rating , which may limit your ability to access credit in the future.
