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Our Loan Rates

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5.9% variable Student Loan (6.05% APR)

5.9%* (6.05% APR) Student Loan 

Let us CU through college!

  • Full Time and Part Time Courses
  • College Fees
  • Course Equipment
  • Rent
  • Bridging Loan for Grants
  • And much more!
Loan Amount: €10,000
APR Variable Rate: 6.05% APR
Total Cost Of Credit: €1,546.72
Number of Weekly Repayments: 260 Weeks
Total Amount Repayable: €11,546.72
You pay per week over 5 years: €44.43
* 5.9% Variable Student Loan Rate (6.05% APR), lending criteria, terms and conditions apply. For Student Loans you only need a minimum of €100 in savings, regardless of how much you borrow. It is normal policy for a Parent/ Guardian to act as Guarantor for a Student Loan. Cara Credit Union Ltd is regulated by the Central Bank of Ireland.

Apply Online Click Here

Loan Repayment Calculator Click Here

Apply by Phone 066 712 2373 (Dial 1 for Loans) or

Call in and speak to us Tralee Castleisland Killorglin

Education Awards worth €10,500

Open draw- €1,500 each to 7 lucky members (T&C’s apply)

Application accepted from 1st August to 30th September.

CLICK HERE TO APPLY

 

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Phone a loan on 066 712 2373 or call in to us!

NEW REDUCED CAR LOAN RATE--6.5% variable Car Loan (6.69% APR)

motorloantoptip

6.5%* variable Car Loan (6.69% APR)

NEW        SECOND HAND       PERSONAL      COMMERCIAL 

Loan Amount: €10,000
APR Variable Rate: 6.69% APR
Total Cost Of Credit: €1,712.39
Number of Weekly Repayments: 260 Weeks
Total Amount Repayable: €11,712.39
You pay per week over 5 years: €45.06

*6.5% Variable Car Loan Rate (6.69% APR) lending criteria, terms and conditions apply.Quotations required, payment will be made payable to dealer/seller. This is a promotional loan rate available on car loans taken out from 1st July 2018 to 30th September 2018.
Approved applications have until 31st October 2018 to collect the loan. Loans applied from 1st October will be charged 9% Variable Car Loan Rate (9.38% APR). Cara Credit Union Ltd. is regulated by the Central Bank of Ireland.

Apply Online Click Here

Loan Repayment Calculator Click Here

Apply by Phone 066 712 2373 (Dial 1 for Loans) or

Call in and speak to us   Tralee     Castleisland      Killorglin

Need an Insurance Quote?  Get your Motor, Home, Travel Insurance Member Discount, For Details  click here

Phone a loan on 066 712 2373 or call in to us!

7.5% variable Personal Loan over €15,000 (7.75% APR)

7.5% * Variable Personal Loan         ( 7.7% APR)

  • Borrow €15,000 or more
  • Borrow up to 10 years
Loan Amount: €25,000
APR Variable Rate: 7.75% APR
Total Cost Of Credit: €8,229.97
Number of Weekly Repayments: 416 Weeks
Total Amount Repayable: €33,229.97
You pay per week over 8 years: €79.90

Minimum Loan Withdrawal €15,000.

Up to 10 Years Loan Term is dependent on Loan Purpose.

Tax Relief available for Home Improvements please see www.revenue.ie
*7.5% Variable Personal Loan Rate (7.75% APR) lending criteria, terms and conditions apply.
Maximum term up to 10 years dependent on Loan Purpose.
Cara Credit Union is regulated by the Central Bank of Ireland.

Apply Online Click Here

Loan Repayment Calculator Click Here

Apply by Phone 066 712 2373 (Dial 1 for Loans) or

Call in and speak to us Tralee     Castleisland     Killorglin

Need an Insurance Quote?  Get your Motor, Home, Travel Insurance Member Discount, For Details  click here

Phone a loan on 066 712 2373 or call in to us!

7.9% variable Home Improvement Loan ( 8.2% APR) over €5,000

7.9% variable Home Improvement Loan (8.2% APR)

Loan Amount: €10,000
APR Variable Rate: 8.2% APR
Total Cost Of Credit: €2,103.58
Number of Weekly Repayments: 260 Weeks
Total Amount Repayable: €12,103.58
You pay per week over 5 years: €46.57
*7.9% Variable Home Improvement Loan (8.2% APR). Minimum Loan €5,000. Quotations required, lending criteria, terms and conditions apply.  Our 9% variable Home Improvement Loan (9.4% APR) applies to loans less than €5,000, lending criteria, terms and conditions apply. Cara Credit Union Ltd is regulated by the Central Bank of Ireland.

Apply Online Click Here

Loan Repayment Calculator Click Here

If you need over €15,000 we offer a Lower Rate of 7.5% * Variable Personal Loan ( 7.7% APR) with up to 10 Year Loan Term.

Apply by Phone 066 712 2373 (Dial 1 for Loans) or

Call in and speak to us Tralee     Castleisland      Killorglin

Need an Insurance Quote?  Get your Motor, Home, Travel Insurance Member Discount, For Details  click here

Phone a loan on 066 712 2373 or call in to us!

9% variable Wedding Loan (9.38% APR)
  • No penalties on lump sum lodgements or early repayments of loan
  • The quicker you clear your loan, the less interest you pay
  • Free Life Savings and Loan Protection Insurance (terms and conditions apply)
Loan Amount: €10,000
APR Variable Rate: 9.4% APR
Total Cost Of Credit: €2,416.56
Number of Weekly Repayments: 260 Weeks
Total Amount Repayable: €12,416.56
You pay per week over 5 years: €47.78
* 9% Variable Personal Loan Rate (9.38% APR), lending criteria, terms and conditions apply. Cara Credit Union is regulated by the Central Bank of Ireland.

Apply Online Click Here

Loan Repayment Calculator Click Here

If you need over €15,000 we offer a Lower Rate of 7.5% * Variable Personal Loan

( 7.7% APR) with up to 10 Year Loan Term.

Apply by Phone 066 712 2373 (Dial 1 for Loans) or

Call in and speak to us Tralee     Castleisland      Killorglin

Need an Insurance Quote?  Get your Motor, Home, Travel Insurance Member Discount, For Details  click here

Phone a loan on 066 712 2373 or call in to us!

9% variable General Purpose Loan (9.37% APR) for Home, Motor, Holiday, etc

For all purposes and occasions  9%* Variable Personal Loan (9.37% APR)

Loan Amount: €1,000
APR Variable Rate: 9.37% APR
Total Cost Of Credit: €46.32
Number of Weekly Repayments: 52 Weeks
Total Amount Repayable: €1,046.32
You pay per week over 1 year: €20.14
 *9% Variable Personal Loan Rate (9.37% APR), lending criteria, terms and conditions apply. Cara Credit Union is regulated by the Central Bank of Ireland.

Apply Online Click Here

Loan Repayment Calculator Click Here

Apply by Phone 066 712 2373 (Dial 1 for Loans) or

Call in and speak to us Tralee     Castleisland      Killorglin

Need an Insurance Quote?  Get your Motor, Home, Travel Insurance Member Discount, For Details  click here
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Phone a loan on 066 712 2373 or call in to us!

5.5% variable Secured Loan (5.64% APR)

secured

Need a House Loan?

5.5% * (5.64% APR) Secured Loan

House Loan/Commercial Lending

  • Loans from €25,000 to €150,000
  • Long Term Loans up to 25 Years available
  • Free Life Insurance Cover  (T&C’s apply)
  • Maximum Loan to Property Value is 80%
  • Maximum Loan to Property Value for Commercial Lending is 70%
  • Security will be by way of 1st legal charge on property
  • Other lending criteria, terms and conditions apply
Loan Amount:  €50,000
APR Variable Rate:  5.64% APR
Total Cost Of Credit:  €14,968.47
Number of Weekly Repayments: 520 Weeks
Total Amount Repayable:  €64,968.47
You pay per week over 10 years: €125.07

Warning: With a variable loan the cost of your repayments may increase. If you do not keep up your repayments you may lose your property.

*5.5% Variable Secured Loan Rate (5.64% APR), lending criteria, terms and conditions apply. Cara Credit Union is regulated by the Central Bank of Ireland.

Apply Online Click Here

Loan Repayment Calculator Click Here

Apply by Phone 066 712 2373 (Dial 1 for Loans) or

Call in and speak to us Tralee     Castleisland      Killorglin

Need an Insurance Quote?  Get your Motor, Home, Travel Insurance Member Discount, For Details  click here

Phone a loan on 066 712 2373 or call in to us!

5.5% variable Social Finance Loan (5.64% APR)

social

 5.5%* Variable Social Finance Loan (5.64% APR)

  • Registered Clubs and Societies
  • Long Term Loans Available
Loan Amount:  €10,000
APR Variable Rate:  5.64% APR
Total Cost Of Credit:  €1,437.36
Repayment Protection Insurance:  0
Number of Weekly Repayments: 260 Weeks
Total Amount Repayable:  €11,437.36
You pay per week over 5 years: €44.01
* 5.5% Variable Social Finance loan (5.64% APR), lending criteria, terms and conditions apply.Cara Credit Union is regulated by the Central Bank of Ireland.

Apply Online Click Here

Loan Repayment Calculator Click Here

Apply by Phone 066 712 2373 (Dial 1 for Loans)

Need an Insurance Quote?  Get your Motor, Home, Travel Insurance Member Discount, For Details  click here

Phone a loan on 066 712 2373 or call in to us!

5.5% variable Saver's Loan (5.64% APR)

Make your Savings work for you 5.5%*Variable Saver’s Loan (5.6% APR)

  • Minimum Loan Value is €5,000
  • On the Spot Approval
  • Free Life Cover on your Savings AND your Loan.
  • At the end of the loan, you’ll still have your Savings.
  • Shares are held as security and must be equal to or greater than the Loan Value
  • Special Term Accounts may not be used as security
  • This rate applies to new loans only

If you have access to savings elsewhere you can transfer them to your account to avail of this low rate.

Loan Amount: €5,000
APR Variable Rate: 5.6% APR
Total Cost Of Credit: €718.69
Number of Weekly Repayments: 260 Weeks
Total Amount Repayable: €5,718.69
You pay per week over 5 years: €22.02
*  5.5% variable Saver’s loan rate (5.64% APR), lending criteria, terms and conditions apply. Cara Credit Union is regulated by the Central Bank of Ireland.

Apply Online Click Here

Loan Repayment Calculator Click Here

Apply by Phone 066 712 2373 (Dial 1 for Loans) or

Call in and speak to us Tralee Castleisland Killorglin

Phone a loan on 066 712 2373 or call in to us!

50 Year Anniversary Special Loan. 50 Loans of €50,000

5.9%* (6.05% APR) Unsecured Personal Loan 

Loan Amount: €50,000
APR Variable Rate: 6.05% APR
Total Cost Of Credit: €16,157.45
Number of Weekly Repayments: 520 Weeks
Total Amount Repayable: €66,157.45
Repay Weekly: €127.24
 Minimum and maximum Loan is €50,000 available up to 10 years, based on member’s ability to repay.
*5.9% Variable Personal Loan Rate (6.05% APR) lending criteria, terms and conditions apply.
Cara Credit Union is regulated by the Central Bank of Ireland.
This is an unsecured personal loan available on new loans only, based on members ability to repay. Top Up Loans will revert back to our normal loan rates.
• Quotations will be required.
• Rate is available to the first 50 paid out loans and not the first 50 applied loans.
• Loan can not be used to consolidate or clear existing borrowings.
• Joint Loan Applications = Double Life Cover.

Apply Online Click Here

Loan Repayment Calculator Click Here

Apply by Phone 066 712 2373 (Dial 1 for Loans) or

Call in and speak to us Tralee     Castleisland      Killorglin

Phone a loan on 066 712 2373 or call in to us!

1 st Loan Rate - Special Reduced Rate 7.5% ( 7.75% APR)

First Loan @ 7.5%* (7.75% APR)

Loan Amount: €10,000
APR Variable Rate: 7.75% APR
Total Cost Of Credit: €1,990.80
Number of Weekly Repayments: 260 Weeks
Total Amount Repayable: €11,990.80
Repay Weekly: €46.14
 *7.5% Variable Personal Loan Rate (7.75%APR), lending criteria, terms & conditions apply.
Top Up Loans will revert back to normal loan rates. Quotations may be required.
Cara Credit Union Ltd. is regulated by the Central Bank of Ireland.

Lower rates may be available for specific types of loans, contact us for details.

Apply Online Click Here

Loan Repayment Calculator Click Here

Apply by Phone 066 712 2373 (Dial 1 for Loans) or

Call in and speak to us Tralee     Castleisland      Killorglin

NOT A MEMBER? JOIN AND BORROW

You can start your application for membership online by clicking here

Need an Insurance Quote?  Get your Motor, Home, Travel Insurance Member Discount, For Details  click here

Phone a loan on 066 712 2373 or call in to us!




What you need to Apply for a Credit Union Loan

To apply for a Loan please provide:

  • Proof of Income (most recent payslip or social welfare payments)
  • 3 to 6 Months Bank Statements
  • Proof of Purpose a Quotation from a Supplier may be required
  • Minimum of 5% of Loan Principal in Shares
  • Seek your consent to randomly undertake a Irish Credit Bureau check with your loan application

Additional Information required for:

College loans

  • Proof of College Place and Breakdown of Loan Purpose is required (college loan only)
  • Proof of income (most recent payslip or social welfare payments)
  • For College Loans it is normal policy for us to request a guarantee from a parent/guardian with Proof of Income and 3 months Bank Statements.

Secured loans

PAYE workers

  • Recent P60
  • Two recent payslips (not more than 6 weeks old)
  • Most recent Bank Statement (in the last 6 months)

Self -Employed workers

  • The latest two years certified accounts
  • Copy of your Revenue Commissioner’s Assessment
  • Tax Clearance Certificate
Cara Credit Union Ltd. is regulated by the Central Bank of Ireland.
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