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Loans

Each one of our members is different, and so are you. That’s why we like to review each applicant and their individual circumstances when processing a loan application, loans are based on your ability to repay, not on your savings record with us. 

 

We have simplified our loan offering:

  • Personal Loan: 9.5% (9.92% APR)
  • Education Loan 6.0% (6.17% APR)
  • Large Home Improvement Loans (over €60K): 8.5% (8.84% APR)
  • Cultivate – Farm loans 6.55% (6.75% APR)

 

See how much you can afford to borrow & submit your enquiry:

 

Loan Calculator

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APR 11.00%

Your Repayments are*:

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Loan Enquiry

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What’s included in our loans?

  • A repayment schedule designed to fit your income level and personal circumstances.
  • Interest only charged on the reducing loan balance.
  • The facility to repay your loans earlier without penalty.
  • Additional lump sum repayments are accepted with no penalty.
  • Additional finance may be arranged before your existing loan is cleared, we will be glad to talk to you and help in any way we can.
  • Loan protection insurance covers our loans at no extra cost (terms & conditions apply).

 

And what’s not included?

  • Hidden fees and transactions charges.

 

OTHER INFORMATION

Mallow Credit Union is now a member of the Irish Credit Bureau (ICB), therefore we will be carrying out a check on loan applicants and the repayment record on your loan with Mallow Credit Union will be given to the ICB. It is important, therefore, that members adhere to their Credit Agreement as failure to do so may hinder your ability to borrow in the future.