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Low-Cost Loans
Only Pay Interest on What You Owe
Over €52 million
Invested in Members' Dreams Last Year
High Approval
Most Loan Applications Are Approved
Fair Lending
You Always Get a Fair Decision
How much can you borrow from the credit union?
A Credit Union Loan That Works for You
Looking for a Credit Union Loan that’s fair, flexible, and fits your life? You’re in the right place. At Croí Laighean Credit Union, we offer Credit Union Loans for real people — whether it’s a personal loan, car loan (including our popular PCP Buster loan), home improvement loan, or business loan. Going green? Our Green Loan can help you upgrade your home or switch to an EV or hybrid — all at competitive Credit Union Loan rates.
We’re proud to offer some of the best Credit Union Loan rates around. Last year, we lent over €52 million, and we’re ready to lend more.
Try Our Credit Union Loan Calculator
Not sure what you can borrow? Use our easy Credit Union Loan Calculator to check repayments and plan your budget — no guesswork needed.
At CLCU, we mix trusted Credit Union values with modern banking. Apply online, sign through DocuSign, and get funds straight to your account — all from home. And when you borrow from us, you’re supporting our community. We’ve proudly given over €845,000 back to local initiatives in the last eight years.
Why borrow from Croí Laighean Credit Union?
- Free Loan Protection Insurance (T&C apply)
- No waiting period – join and apply for a Credit Union Loan instantly
- Low-cost rates, with no hidden charges
- Flexible terms with no penalties for early repayment
- Quick decisions, with some loans being approved on the same day
- Tailored repayment plans to suit your budget
- All loan applications reviewed by real people (not robots!)
- We support your local community through donations and partnerships
- Friendly, personal service every step of the way
Ready to borrow? Use our loan calculator to check your repayments and apply – not a member yet? You can join and apply in one go!
Ready to borrow? Use our loan calculator to check your repayments and apply – not a member yet? You can join and apply in one go!Choose the Credit Union loan that suits your needs
How much can you borrow from the credit union?
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 web page is for illustrative purposes only, to give you, the borrower, an overview of the potential cost of borrowing.
This credit union loan rate does not constitute a loan offer, and loans are subject to approval. Terms and conditions apply. If you do not meet the repayments on your loan, your account will go into arrears, which may affect your credit rating and may limit your ability to access credit in the future. For more information, contact us on freephone 1800 23 24 25.
Rates are correct as of 1/10/2020 and are subject to change. Croí Laighean Credit Union is regulated by the Central Bank of Ireland.
Looking for more information on our Credit Union Loan Rates? Check out our frequently asked questions page.
Apply for a Credit Union loan today
Need help using DocuSign? Watch our tutorial video below.
Frequently Asked Questions
CLCU have loans for everything you want to borrow for. Whether it’s a new car, a dream kitchen, or getting onto the property ladder for the first time, CLCU can help you. We offer loans of up to €100,000 and we also do larger business loans, and mortgages up to €650,000. Read more about our loans here.
Your loan will be granted based on your repayment ability. You do not need to have money in your account unless you are applying for a covered loan – in this case, you must have at a minimum, the amount you are looking to borrow.
You can join and apply on the same day! You don’t need to be a member for a certain length of time to apply as we base our decisions on your repayment ability. You can find out more about our loans here.
We make quick loan decisions, with some loans being approved on same day.