Quick Quote Calculator
5 years

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

Debt Consolidation
Loan

9.9% Variable
(10.36% APR*)

%
approval rate

Are you locked into high interest repayments?
Consolidate your debt to reduce your repayments.

Example

Example of Outstanding Loans

Example
11,500 Total Debt
  • Bank Loan - €5,000 Outstanding (€225 per month)
  • Car Loan - €2,500 outstanding (€100 per month)
  • Credit Card - €4,000 (€150 per month)
Example

St. Raphael's Debt Consolidation Loan

Debt Consolidation Loan
11,500 Total Debt
  • Debt Consolidation Loan
    €11,500 over 5 years (243.78 per month)
St. Raphael's
Ways to apply for Garda Loan

How to Apply

Applying is quick and easy.

We’ll review your application with 24 hours.

What Do I Need to Apply?

For all applications we require:

  • Copy of Most Recent Payslip
  • Bank Statements - 3 most recent copies
  • Up-to-date settlement figures

In some cases we may request:

  • Proof of Address - bank statement/utility bill dated within last 6 months
  • Proof of ID - copy of driving licence/passport
  • Proof of PPSN - copy of drug pament card, EHIC, tax credit cert, payslip etc

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.