How To Apply

Thinking of buying a car? Are there wedding bells on the horizon or do you want to do some home improvements?

St. Anthony’s & Claddagh Credit Union are here to help with whatever you have in mind.

Providing loans is one of the main functions of a Credit Union and we provide loans on very reasonable terms to our members.

98% of all loan applications are approved* so why not ask us about your loan today.


Applying for your loan is easy

  •  Step 1:
  • Step 2: If applying for a loan larger than your savings provide the following:
    • Proof of Income: Payslips, Social Welfare receipts, recent income assessment, Tax Clearance Cert depending on your own circumstances.
    • Bank Statements: the last 3 months statement on your current account.
    • Photo I.D: Valid Passport or Drivers Licence.
    • Further Documentation: other documentation may be required.
  • Step 3: Once approved, pick up your loan.

Please Note – In the event we need to use a third party’s documentation (e.g. payslip) the Credit Union will need them to sign a Third Party Information Consent form available here.


Why Borrow with us?

  • No fees/ charges on accounts
  • Interest paid on a reducing balance
  • No fees/ charges on early repayment/lump sums
  • Interest rates are fair & capped by law
  • Loan Protection Insurance free of charge for members subject to terms & conditions
  • Efficient & Friendly service –as recent winners of the Customer Service Excellence Award we strive to provide you with fast, efficient and professional attention
  • Rebate – You get money back on your interest paid if a loan interest rebate is applied. See below rates paid:
2018 – 5% 2017 – 12.5% 2016 – 15%
2015 – 15% 2014 – 12.5% 2013 – 10%

Depending on the financial year results, a member may receive a loan interest rebate on their Standard Rate Loan i.e. if you paid €500 in loan interest during the financial year and the Credit Union pay a 10% rebate, you will receive €50 in loan interest rebate.

*relates to October to December 2017 loan figures.

Please note: All loans of €500 and greater are reported to The Central Bank Of Ireland under the Credit Reporting Act 2013, click here for further information.