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Garda Loan

Get a loan today from St. Raphael’s Garda Credit Union – Ireland’s largest credit union.We have the very best offers in the country and if you are under 80 years old, you can avail of free insurance on your loan (t&c apply). For more details, select your loan type below.

No hidden charges or fees for early redemption of loans. Loan rates are variable and interest is calculated daily on a reducing balance basis.

 

 

5000
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

 

Loan Types

 

How Do I Apply for a Loan

Loan application and credit agreement forms will then be posted to you for signing and witnessing. Witness can be be anybody over the age of 18.

 

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)