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Great value loans
Interest calculated on reducing loan balance
Over €38 million
Borrowed by members last year
99%
Loan approval rate
Simple loan process
Quick turnaround on standard loans
Credit Union Home Improvement Loan
Make your dream home a reality with a Credit Union Home Improvement Loan From Croí Laighean. Our Home Improvement Loan rate starts from 6% (6.17% APR) on amounts over €15,000 with a term of 5 years or more – work out an affordable repayment plan with our handy Loan Calculator
Last year, we provided the community with over €8.5 million in Home Improvement Loans, and we’ve much more to give. Check out our handy home improvement tips for ideas on cost-effective improvements – whatever your budget.
If you’re thinking of upgrading your home’s energy rating, we have a special green loan rate of 6% (6.17% APR) to help finance retrofits.
Why choose a CLCU Loan
- Home Improvement Loan rates from 6% (6.17% APR)
- No set-up fees or hidden charges
- Tailor your loan to suit your repayment ability
- Free loan protection insurance (T&C apply)
- Interest calculated only on the outstanding balance of the loan
- Fair and transparent lending process
- Great value home insurance
Apply for a loan today. Not a member? You can join & apply at the same time.
Loan calculator
- Weekly Total Interest
- Fortnightly Total Interest
- Monthly Total Interest
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.
Repayment Example:
A Credit Union Home Improvement Loan of €15,000 over 5 years would cost €290 per month at a fixed rate of 6% (APR 6.17%). The cost of credit is €2400 and the total amount repayable is €17,400.
A Credit Union Home Improvement Loan of €7,500 over 3 years would cost €242 per month at a variable rate of 9.99% (APR 10.46%). The cost of credit is €1,211 and the total amount repayable is €8,711.
While every care has been made in the production of this web page, the Credit Union, or any of its staff, cannot be held responsible for any omissions, errors, or other mistakes on the site. This calculator is for illustrative purposes only, to give you, the borrower, an overview of the potential cost of borrowing.
Loan amounts and 99% approval rate is based on figures from 2020. Rates are correct as of 1/02/2022 and are subject to change. Croí Laighean Credit Union is regulated by the Central Bank of Ireland.
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