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.

Loans

24 Hour Approval

98% Approval Rate

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.

Mortgages

3.75% (APR* 3.82%)

You’ll have a dedicated mortgage expert to help you along the process.

Home Improvement Loan

4.25% (APR* 4.33%)

Home renovations, extensions, redesigns.

Short Term Loan

4.95% (APR* 5.06%)

Holidays, Insurance, Ad-hoc costs & more

PCP Clearance Loan

5.95% (APR* 6.12%)

Need a little help with your PCP balloon payment?

Education Loan

4.5% (APR* 4.59%)

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

First Time Buyer Loan

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 Loan

4.5% (APR* 4.59%)

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

Debt Consolidation Loan

9.9% (APR* 10.36%)

Need help reducing your credit card repayments?

Student Garda Loan

4.5% (APR* 4.59%)

Special low interest rate exclusive to new Garda Recruits

Get more from your Credit Union Loan

Flexible Repayments

You can choose how frequently you want to make repayments to suit your needs; weekly, fortnightly or monthly.

Free Loan Insurance

If you're under 80 years old, you can avail of free loan insurance on your loan. T&Cs apply.

No Hidden Charges or Transaction Fees

No hidden charges or fees. You won't be charged an extra fees if you decide to pay back your loan early.

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.

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