Home Improvement
Home Improvement
Create a Home You Love.
Great Rates from 5.25%
Turn Your House into Your Dream Home
From kitchen makeovers to new windows, our home improvement loan gives you the funds you need to bring your vision to life. No matter the size of your project, we offer flexible financing to help you create a home you’ll love, without the financial stress
Become a Member
Once you are living or working within our common bond you are eligible to join us today and start borrowing now!
Calculate your Loan
Estimate how much you could borrow and calculate your repayments: weekly, fortnightly or monthly using our online.
Apply for it!
Apply for your loan from the comfort of your home. Applying for a loan is easy and quick with our new process. Apply now!
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.
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
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
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.
