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Loans That Suit You

Apply for a loan today and we’ll review your application within 24 hours! St. Raphael’s Garda Credit Union loans have a 98% approval rate.

 

Calculate Your Loan Repayments

5 years

Please note that this calculator only provides an indicative quote and actual repayments may vary. All loans are subject to terms and conditions. St. Raphael's Garda Credit Union Limited is regulated by the Central Bank of Ireland. 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. 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

 

Loans Available

Everyday Loan  – 8.25% variable (APR* 8.57%)

Special Rate Car Loan – 4.95% variable (APR* 5.06%)

Educational Loan – 4.5% variable (APR* 4.59%)

Home Improvement Loan  – 4.25% variable (APR* 4.33%)

Home Energy Saver Loan – 4.5% variable (APR* 4.59%)

First Time Buyers Loan – 5.5% variable, (APR*5.64%)

Debt Consolidation Loan – 9.9% variable (APR* 10.36%)

PCP Clearance Loan – 5.95% variable (APR* 6.12%)

 

Get More From Your Loan

Flexible Repayments – choose between weekly, fortnightly or monthly repayments.

Free Loan Insurance – if you’re under 80 years of age, you can avail of free loan insurance on your loan. T & Cs apply.

No Early Redemption Fee – no hidden charges or fees. You won’t be charged an extra fee if you decide to pay back your loan early.

 

How Do I Apply for a Loan?

 

Representative Example

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 €101.88 and the total cost of credit (the total amount repayable less the amount of the loan) would be €1,118.88.

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
** All loans applied for using the Cuecall system are at our base rate of 8.25% (8.57% APR)