5.5% (APR* 5.64%)
Are you a first time buyer who needs help paying legal fees or furnishing your new home?
4.5% (APR* 4.59%)
Borrow up to €20,000 to improve the energy efficiency of your home.
You can choose how frequently you want to make repayments to suit your needs; weekly, fortnightly or monthly.
If you're under 80 years old, you can avail of free loan insurance on your loan. T&Cs apply.
No hidden charges or fees. You won't be charged an extra fees if you decide to pay back your loan early.
Truth: St. Raphael’s have a 98% loan approval rate.
Truth: Most of our loans are approved within 24 hours.
Truth: You can apply for loans as soon as you have become a member.
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.
Truth: Members can have multiple loans at the same time.
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.
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