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 KillarneyCU6637800

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Kenmare

064 KillarneyCU6642111

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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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One Year Loan

Sometimes you need short term cash for life’s little expenses. So, why not consider a One Year Loan for things like events and celebrations, holidays, car tax/insurance, health expenses, home improvements and many other purposes.

 

The many reasons to borrow from Killarney Credit Union include:

  1. Competitive One Year Loan rate of 8.2% (8.5% APR).
  2. You benefit from loan protection insurance at no added cost (terms & conditions applies).
  3. No set up charge or account fees.
  4. You can borrow smaller amounts up to €5,000.
  5. Your repayments can be scheduled to suit your circumstances.
  6. You can protect your loan with repayment protection insurance (terms & conditions applies).
  7. You can avail of free life, disability and critical illness cover on your loan (terms & conditions applies).
  8. Quick approval for smaller loans.
  9. As your loan decreases, so does your interest repayments.
  10. You can pay off your loan earlier than the 12 month term if you wish.

 

Loan Repayment Table

Amount Term APR* Weekly Repayments Total Cost of Credit
€500 52 weeks 8.5% €10.02 €20.86
€750 52 weeks 8.5% €15.03 €31.39
€1,000 52 weeks 8.5% €20.04 €41.99
€1,500 2 weeks 8.5% €30.06 €63.04
€2,000 52 weeks 8.5% €40.09 €84.15
€2,500 2 weeks 8.5% €50.11 €105.23
€3,000 52 weeks 8.5% €60.13 €126.34
€4,000 52 weeks 8.5% €80.17 €168.52
€5,000 52 weeks 8.5% €100.21 €210.75

 

Typical APR variable One Year Loan rate (8.5% APR). Lending terms and conditions apply. Loans are subject to approval. Table is for illustration only and does not constitute a contract. Repayment gures correct as at February 2016.

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

 

Documentation Required

  • 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 Certicate. Completed Form F11.
  • 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

 

 

One Year Loan Terms & Conditions

 

  • Maximum term is up to 12 months.
  • Maximum loan amount is €5,000 (net of shares).
  • No top ups allowed.
  • We may seek your permission to undertake a credit bureau check with your loan application.

 

Download the information leaflet as a PDF

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