Car Loan

One of the lowest car loan rates in Ireland

5.45% variable

New Interest Rate of 4.95% variable will be effective 10th April 2024.

New Interest Rate of 4.95% variable will be effective 10th April 2024.

What happens if I already have a Car Loan? 

You do not need to do anything, we will look after your new repayment amount. 

  • For DOJ Repayments – We will contact Killarney on your behalf. 
  • For Direct Debit Repayments – We will change the amount to reflect new repayment. There will be no change to repayment date. 

If you have a Standing Order coming to your Home Improvement Loan, you will need to contact us to change the repayment amount. 

Calculate your loan repayments

Borrow up to €100,000 over 7 years

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

Use our car loan When...

Buying a New Car

Buying a Second-Hand Car

Clearing your PCP Balloon Payment

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

FAQ

  • No – we will look after amending your new repayment amount

    • If you are paying by payroll deduction – We will contact Killarney to change the deduction amount 
    • If you are paying by Direct Debit – We will change the amount

You will need to contact St. Raphael’s Garda Credit Union to change the Standing Order amount. 

That is not a problem, if you wish to keep your repayments the same please email loans@straphaelscu.ie with your request.

    Yes, any over repayments in place will stay. 

    What Documents you need

    For all applications:

    Copy of your most recent payslip
    Proof of purchase
    In some cases we may request:
    Bank Statements - 3 most recent
    Proof of ID, Address or PPSN

    Interested in our other loans?

    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 €10,000 five year loan with a variable interest rate of 4.95% and 5.07% APR (Annual Percentage Rate), where the APR does not vary during the term, would have monthly repayments of €188.48 and the total cost of credit (the total amount repayable less the amount of the loan) would be €1,308.80.

    Funds must be made payable to a 3rd party/garage.

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