Low rate Loans that suit you
Loan Calculator
Truth or Myth?
Myth: It's hard to get a loan approved with the Credit Union
Truth: St. Raphael’s have a 98% loan approval rate.
Myth: It takes a long time to get a loan.
Truth: Most of our loans are approved within 24 hours.
Myth: I have to be a member of St. Raphael's for 3 months before I can apply for a loan.
Truth: You can apply for loans as soon as you have become a member.
Myth: I can only borrow 3 times my savings.
Truth: Depending on which type of loan you choose, you can borrow up to €75,000. The amount you can borrow is based on your ability to repay, not on your savings.
Myth: I can only have one loan at a time.
Truth: Members can have multiple loans at the same time.
Easy Ways to Apply
Online Calculator
Fill in our online calculator and click 'request a callback'. We'll call you back at a time that suits you.
Email our lending team to discuss your options. We'll forward you on the necessary documentation. Email: loans@straphaelscu.ie
Call Us
Call our lending team to discuss your options. We answered over 64,000 calls last year! Call 0818 247 365
Online Banking
Log on to your online banking and apply for a loan. Click 'Send' and we'll be in touch.
Benefits and Features
Get more from your loan
Flexible Repayments
Depending on which loan you select, you can choose how frequently you want to make repayments to suit your needs
Free Loan Insurance
If you're under 80 years old, you can avail of free loan insurance on your loan. T&Cs apply.
No Early Redemption Fee
No hidden charges or fee. You won't be charged an extra fee if you decide to pay back your loan early.
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.
Other Information
Lending criteria, terms and conditions apply. Credit facilities are subject to repayment capacity and financial status and are not available to persons under 18 years of age. Security may be required. A typical €5,000 five year loan with a variable interest rate of 8.25% and 8.57% APR (Annual Percentage Rate), where the APR does not vary during the term, would have monthly repayments of €101.98 and the total cost of credit (the total amount repayable less the amount of the loan) would be €1,118.88 50
*APR = Annual Percentage Rate