Loan Calculator

Select Loan

Loan Amount

Loan Term

5 years

Repayment Frequency (click to select)

Please note that this calculator only provides an indicative quote and actual repayments may vary. All loans are subject to terms and conditions. Lending terms and conditions apply. You must be over 18 to apply for a loan. Security may be required. The above calculator does not include top-ups. *APR = Annual Percentage Rate

Loans Made Simple

Low interest rate loans with 24 hour approval.

98% approval rate.

Choose your Loan

Fast Track
Loan

Loans up to €15,000 approved in 3 Hours for active/retired Gardaí

Everyday
Loan

8.25% (APR* 8.57%)

Holidays, special occasions, household expenses & more.

Car
Loan

4.95% (APR* 5.06%)

One of the lowest car loan rates in Ireland.

Home
Improvement

4.25% (APR* 4.33%)

Home renovations, extensions, redesigns.

Education

4.5% (APR* 4.59%)

Back to school/college, accommodation costs, maintenance fees.

First Time Buyer

5.5% (APR* 5.64%)

Are you a first time buyer who needs help paying legal fees or furnishing your new home?

Home Energy Saver

4.5% (APR* 4.59%)

Borrow up to €20,000 to improve the energy efficiency of your home.

PCP Clearance

5.95% (APR* 6.12%)

Need a little help with your PCP balloon payment?

Debt Consolidation

9.9% (APR* 10.36%)

Consolidate your debt to reduce your repayments.

Truth of 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.

How to Apply

Applying is quick and easy.

We’ll review your application with 24 hours.

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