Quick Quote Calculator
5 years

You can calculate your repayments for a loan between €1,000 and €15,000

Debt Consolidation

9.9% Variable
(10.36% APR*)

approval rate

Are you locked into high interest repayments?
Apply today and we'll review your application within 24 hours.



Outstanding Loans
475 Monthly
  • Bank Loan - €5,000 Outstanding (€225 per month)
  • Car Loan - €2,500 outstanding (€100 per month)
  • Credit Card - €4,000 (€150 per month)

St. Raphael's Garda Credit Union

Debt Consolidation Loan
  • Debt Consolidation Loan
    €11,500 over 5 years (243.78 per month)
St. Raphaels

Ways to Apply

Online Calculator

Fill in our online calculator above and click 'apply'. We'll call you back at a time that suits you.


Email our lending team to discuss your options. We'll forward you on the necessary documentation. Email: loans@straphaelscu.ie

Call Us

Call our lending team to discuss your options. We answered over 64,000 calls last year! Call 0818 247 365

Online Banking

Log on to your online banking and apply for a loan. Click 'Send' and we'll be in touch.

Maximum term of 5 years & maximum amount of €15,000. 

What Do I Need to Apply?

3 Months of Bank Statements

Certified copies.

1 Recent payslip

In some instances, more than one payslip may be required.

Up to date settlement figures

Evidence of Repayment History

Proof of Address

Certified copy of Bank Statement, Utility bill dated within the last 6 months.

Proof of Identification

Certified copy of Driving Licence or Passport

Proof of PPSN

Copy of Drugs Payments Card, EHIC, Tax Credit Cert, P60, Payslip etc.

Benefits and Features

Get more from your loan

Flexible Repayments

Depending on which loan you select, you can choose how frequently you want to make repayments to suit your needs

Free Loan Insurance

If you're under 80 years old, you can avail of free loan insurance on your loan. T&Cs apply.

No Early Redemption Fee

No hidden charges or fee. You won't be charged an extra fee if you decide to pay back your loan early.

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.

Warning: This new loan may take longer to pay off than your previous loans. This means you may pay more than if you paid over a shorter term.

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 9.9%% and 10.36% APR (Annual Percentage Rate), where the APR does not vary during the term, would have monthly repayments of €105.99 and the total cost of credit (the total amount repayable less the amount of the loan) would be €1,359.36.