Loan Calculator
5 years

You can calculate your repayments for a loan between €1,000 and €75,000


8.25% Variable
(8.57% APR*)

approval rate

The Everyday Loan is perfect for holidays, special occasions, household expenses, dental procedures & much more.

It's Easy 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:

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.

Borrow between €500 – €75,000 over a term of up to 5 years.   

What Do I Need to Apply?

For all applications we require:

  • Copy of Most Recent Payslip
  • Bank Statements - 3 most recent copies

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

Truth or Myth?

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.

Benefits and Features

Get more from your Everyday 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.

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 8.25% and 8.57% APR (Annual Percentage Rate), where the APR does not vary during the term, would have monthly repayments of €101.98 and the total cost of credit (the total amount repayable less the amount of the loan) would be €1,118.88.

Loan cannot be used towards the purchase of a property.

98% approval rate in 2017

*APR= Annual Percentage Rate