LOANS TO SUIT YOUR NEEDS

LOANS TO SUIT YOUR NEEDS

All members are welcome to apply for a loan at Crosshaven Carrigaline Credit Union. The loan amount applied for should be based on the borrower’s ability to repay the loan they are applying for. Establishing a good savings record by saving regularly with us will help with any loan application being make.

Our Loans at a Glance

We have the right loan to suit your needs.

Personal Loan

Personal Loan

10.99% (11.5% APR)

Secured Loan

Secured Loan

5.99% (6.2% APR)

Motor Vehicle Loan

Motor Vehicle Loan

7.99% (8.3%APR)

First-Time Borrower  Loan

First-Time Borrower Loan

6.99% (7.2%APR)

Home Improvement Loan

Home Improvement Loan

4.99% (5.1%APR) - 7.99% (8.3% APR)

Note: The loan rate is dependant on the amount borrowed.

Home Energy Loan

Home Energy Loan

6.99% (7.2%APR)

Student Loan

Student Loan

5.99% (6.2% APR)

Do It Loan

Do It Loan

5.99% (6.2% APR)

Loan Application Process

Become a member

Once you are living or working within our common bond you are eligible to join us today and start borrowing.

Use our Loan Calculator

Select the loan type you require (e.g. car loan, secure loan, etc.) and the amount you want to borrow to determine what your loan repayments will be.

Apply for your Loan

Apply for your loan from the comfort of your home.

What documentation we require:

Outgoings

  • Bank Statements - 3/6 months of your most recent statements
  • Credit Card Statement - (if applicable)
  • Mortgage Statement - (if applicable)

Proof of Income

  • PAYE Employee - 3 recent pay slips
  • Self-employed - Most recent set of accounts and latest tax returns/Notice of self-assessment
  • Social Welfare - 3 recent payment receipts
  • Retired - Proof of all pensions

Identification

  • Photo ID - valid passport or driver's licence.
  • Proof of Address - utility bill, bank statement or Government document dated within the last six months

Please Note: Additional documentation (not listed above) may be required, depending on the loan type you are applying for. For example, if you are applying for a Green Energy Loan, you will need to provide proof that you are carrying out work to improve the energy efficiency of your home (e.g. a quote with a breakdown of the work being carried out). You will be made aware of any additional documentation you may need to provide as part of your loan application by the loans officer dealing with your application.

PLEASE NOTE: A loan application cannot be processed until ALL DOCUMENTATION REQUESTED as part of the loan application has been provided to us. The sooner you provide the documentation requested, the sooner a decision can be made on your application.

  • Loan Application documentation can be:
  • Posted to us or handed into one of our offices.
  • Scanned and emailed to us at loans@croscarcu.ie
  • Uploaded using the document upload function available on our website and mobile app.

Become a Member

Our Credit Union lets people in the community come together to save and borrow money at low rates, and is operated on a not-for-profit basis, with surpluses being used to strengthen the Credit Union and a portion being returned directly to members.