We're Reducing
Our Interest Rates

New Interest Rates will be effective

10th April 2024.

What Loans Are Being Reduced?

Apply online today – it’s quick and simple and, if you already have one of these loans, there is no need to do anything.

We will apply the reduction to your repayments.

Home Improvement

Borrow between €25,000 – €100,000

Car Loans

One of the lowest car loan rates in Ireland

Green Loans

One of the lowest Green Loan rates in Ireland

Everyday Loans

Borrow up to

98% Approval Rate

Applying is quick and easy and there’s a 98% chance you’ll be approved! 

Flexible Repayments

Choose between weekly, fortnightly or monthly repayments.

No Early Repayment Fees

You won’t be charged extra fees if you decide to pay your loan back early. 

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


  • 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. 

    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.