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  • Loans

    You want a Loan? St Raphael’s Garda Credit Union is the very BEST place to get your Loan!  We have the very best offers in the country. And if you are under 80 years old, you can avail of free insurance on your loan (terms & conditions apply). To find out more click the Loan you need in the left menu:

     

    How do I apply for a Loan?

    We have The right St Raphael's Loan for you

    We have The right St Raphael’s Loan for you

    Most people join a credit union so that they may save regularly and take out loans when needed. The interest rates for credit union loans are lower than almost any other form of borrowing, which is why they are so popular.  There are no hidden charges or fees or charges for early redemption of loans. Loan rates are variable and interest is calculated daily on a reducing balance basis.  See our competitive interest rates on each Loan Page.

     

    You can apply for a loan by:

    Loan application and credit agreement forms will then be posted to you for signing and witnessing. Witness can be be anybody over the age of 18.

    Incomplete forms will be returned to member and only complete forms will be considered by the loans section.

    * Please note that all loans applied for using the Cuecall system are at our base rate of 8.25% (8.57% apr)

    Representative example

    A typical €5,000 five year variable loan will have 60 monthly repayments of €101.81, Interest 8.25% variable, APR* 8.57%. If the APR does not vary during the term of the loan the total cost of credit of this loan (i.e. total amount repayable less the amount of the loan) would be €1,108.60. The total amount payable is €6,108.60.

     

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

     

    *APR – Annual Percentage Rate