Flexible loans to suit you

98% Approval Rate

male and famale garda

Choose Your Loan

98% Approval Rate

Applying is quick and easy and there’s a 98% chance you’ll be approved! 

Flexible Repayments

Choose between weekly, fortnightly or monthly repayments.

No Early Repayment Fees

You won’t be charged extra fees if you decide to pay your loan back early. 

How to apply

Mobile Banking

Applications take just 5 minutes.
No printing or posting required.

Chat to Us

Pop into our offices or phone our Loans Team on 0818 247 365

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 7.85% and 8.16% APR (Annual Percentage Rate), where the APR does not vary during the term, would have monthly repayments of €101.02 and the total cost of credit (the total amount repayable less the amount of the loan) would be €1,061.20.

Loan cannot be used towards the purchase of a property.

*APR = Annual Percentage Rate

Please note that this calculator only provides an indicative quote and actual repayments and cost of credit may vary.

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.