Killarney Credit Union

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Loans

Great rates, flexible options and friendly local service.

 
Beech Road

064 KillarneyCU6631344

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Park Road

064 KillarneyCU6631344

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Kenmare

064 KillarneyCU6631344

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Home Improvement Loans

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Beech Road

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Park Road

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Kenmare

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Killarney Credit Union

Loans

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Car Loan

Why our car loan package is better

  • No deposit or upfront payments needed for your car.
  • No documentation or arrangement fees.
  • No hidden fess, transaction charges, or set up fees.
  • Repayments are scheduled to suit your circumstances.
  • You can pay back the loan over an 8 year term (terms and conditions apply).
  • No lump sum payments for your car at the end of the finance arrangement.
  • You are not tied to any motor dealer or brand.
  • Unlke some motor finance deals, there is no mileage restrictions.
  • You can sell on the car at any time.
  • Unlike hire purchase agreements, you own the car from the start.
  • You don't get charged penalties for repaying your loan early.
  • You can get pre approval for a car loan, so you can shop around first.
  • You benefit from free life, disability and criticial illness cover on your loan (terms and conditions apply).
  • You can avail of competitive car insurance cover through our member's affinity scheme.

 

 

Loan Repayment Table

Amount Term APR* Monthly Repayments Total Cost of Credit
€2,000 1 Year 7.8% €173.50 €81.99
€5,000 2 Years 7.8% €225.00 €399.86
€10,000 5 Years 7.8% €200.35 €2,018.85
€15,000 5 Years 7.8% €300.53 €3,028.41
€20,000 8 Years 7.8% €277.72 €6,644.57
€30,000 8 Years 7.8% €416.58 €9,967.22
€40,000 8 Years 7.8% €555.44 €13,289.75
€50,000 8 Years 7.8% €694.30 €16,612.35

Table for illustration purposes only and does not constitute a contract.

Typical APR variable Car Loan Rate (7.8% APR). Lending terms and conditions apply. Loans are subject to approval.

Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your ability to access credit the future.

 

Terms & Conditions

  • Maximum term is up to 8 years.
  • Maximum loan amount €50,000 (net of shares).
  • Proof of purchase (invoice from garage, copy of seller's vehicle registration certificate, copy of advert for private sales).
  • We may seek your permission to undertake a credit bureau check with your loan application.

 

Documentation Requried

  • Completed application form - Simply call to any of our three branches and our staff will be happy to assist you.
  • Proof of Identity - e.g. passport, driver’s license
  • Proof of Current Address (last 3 months) - e.g bank statements, utility bill, social welfare letter, government document etc
  • Proof of Income - e.g 3 most recent pay slips or social welfare payment receipts
  • For Self Employed Members:
    • 2 most recent years Notice of Assessment and accounts.
    • Tax Clearance Certificate
  • Current Bank Statements - may be required (last 3 months)
  • Credit Card Statements - may be required (last 3 months)
  • Other information deemed necessary by the credit union

 

 

Download the information leaflet as a PDF

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