Loans Loans

Take Out a Loan

Whether you're looking to borrow to help with your household expenses or for a larger purchase, we have the right personal loan to suit you. We've made it easy to borrow as little as €100 at a fair, affordable rate with no application fees and no early repayment charges.

Loan Calculator

Why Choose Our Loan

Why a Sarsfield Credit Union Loan is different

  • No Hidden Fees

    There are no hidden fees or transaction charges.

  • Competitive Interest Rates

    Our interest rates are fair and reasonable compared to others in the market.

  • Decreasing Repayments

    Repayments are calculated on your reducing balance, so you pay less interest with each repayment.

  • Free Loan Insurance

    Your credit union loan is insured - subject to terms and conditions - at no direct cost to you. Other lenders charge for this.

  • No Early Repayment Penalty

    You can pay off your loan early, make additional lump sum repayments or increase your regular repayments, without a penalty. Other lenders may charge you extra for paying them back faster!

Our Affordable Personal Loan

Our Personal Loan rate of 9%* means you can borrow at a reasonable rate of credit compared to other financial providers - compare us to other financial service providers and you will see that you get a great deal at Sarsfield Credit Union.

*For a €5,000, 5 year Personal Loan, with weekly repayments of €23.88, an APR of 9.4%; the total amount payable by the member will be €6,208.91.

How do I apply for a loan?

To begin with, you open an account with Sarsfield Credit Union.

To open an account please bring with you the following to the Credit Union Office:

  • Photographic ID: a current driving licence or passport
  • Proof of Address: dated in the last 6 months - a utility bill, government letter or bank statement.
  • State issued proof of PPSN: Proof of your P60, P45, Medical Card or correspondence from the tax office.
  • If not living in the area, proof of working in the area.

For fast approval of a standard loan please provide:

  • Proof of Income (3 most recent payslips or social welfare receipts).
  • 3 Months Bank Statements (including most recent transactions).
  • 3 Months Credit Card Statements.
  • Your consent to undertake an Irish Credit Bureau check with your loan application.

Our Loans At a Glance

Covered Loan

Make your savings work for you! One of our lowest interest rates on offer at6% (6.2%APR)

  • Allows you to borrow up to the value of your savings
  • One of our lowest interest rates on offer at 6% (6.2% APR)
  • There are no restrictions on the purpose of the loan
  • It’s easier to repay a Loan than replace Savings
  • Instant Loan Approval subject to Appointment
  • There are no Hidden Fees or Transaction Charges.
  • Up to 3 Months Pre Approval.
  • Free Loan Protection Insurance
  • No Penalties for Early Repayment
  • Repayments to suit you - Weekly, Fortnightly, or Monthly

Car Loan

Our Car Loan rate of 7.5%(7.8% APR) is one of the best on the market today!

  • Own your own car from day one.
  • There are no hidden fees or transaction charges.
  • There are no balloon repayments.
  • There are no mileage restrictions.
  • Up to 3 Months Pre Approval.
  • Repayments are calculated on your reducing balance, so you pay less interest with each repayment.
  • Free Loan Protection & Life Savings Insurance
  • You can pay off your loan early, make additional lump sum repayments or increase your regular repayments, without a penalty. Other lenders may charge you extra for paying them back faster!

Switch & Save Loan

Bring together all of your credit card, store card, loan and overdraft payments into one repayment

  • Borrow up to €25,000 at 12% (12.68% APR).
  • Repay it over up to five years
  • Free Loan Protection Insurance
  • No Set Up Fees
  • No Administration Charges
  • No Penalties for Early Repayment

Holiday Loan

Finance your holiday with our great Holiday Loan rate of 7.5% (7.8% APR)

  • Highly Competitive Loan Rates
  • Speedy Loan Decisions
  • Up to 3 Months Pre Approval
  • No Hidden Fees or Transaction Charges
  • No Penalties for Early Repayment
  • Free Loan Protection Insurance
  • Repayments to suit you - Weekly, Fortnightly, or Monthly
  • Interest is calculated on a Reducing Balance Basis

Home Improvement Loan

Our Home Improvement Loan at 9% (9.4% APR) will help you to “build” on your future.

  • There are no Hidden Fees or Transaction Charges.
  • Up to 3 Months Pre Approval.
  • Our interest rates are fair and reasonable compared to others in the market.
  • Repayments are calculated on your reducing balance, so you pay less interest with each repayment.
  • Your credit union loan is insured - subject to terms and conditions - at no direct cost to you. Other lenders charge for this.
  • You can pay off your loan early, make additional lump sum repayments or increase your regular repayments, without a penalty. Other lenders may charge you extra for paying them back faster!

Education Loan

Avail of our fantastic Education Loan rate of only 7.5 % (7.8% APR)

  • There are no hidden fees or transaction charges.
  • Up to 3 Months Pre Approval.
  • Our interest rates are fair and reasonable compared to others in the market.
  • Repayments are calculated on your reducing balance, so you pay less interest with each repayment.
  • Your credit union loan is insured - subject to terms and conditions - at no direct cost to you. Other lenders charge for this.
  • You can pay off your loan early, make additional lump sum repayments or increase your regular repayments, without a penalty. Other lenders may charge you extra for paying them back faster!

Wedding Loan

Plan the perfect day, the way you want it with a loan from Sarsfield Credit Union at 9% (9.4%APR)

  • Speedy loan decisions.
  • Up to 3 Months Pre Approval.
  • Our interest rates are fair and reasonable compared to others in the market.
  • Repayments are calculated on your reducing balance, so you pay less interest with each repayment.
  • Your credit union loan is insured - subject to terms and conditions - at no direct cost to you. Other lenders charge for this.
  • You can pay off your loan early, make additional lump sum repayments or increase your regular repayments, without a penalty. Other lenders may charge you extra for paying them back faster!

Bills Loan

Spread the Costs of Your Household Bills over 12 months

  • The full amount of the loan is drawn down and lodged into a sub account.
  • Payment is made by cheque to the bill provider through the credit union, once bills are supplied by the member.
  • Weekly payment is recommended for this loan product.
  • No Hidden Fees
  • No Administration Charges
  • No Penalties for Early Repayment
  • Free Loan Protection Insurance
  • Interest rate is 12% (12.68% APR)

Personal Loan

There's no easier way to get financial flexibility than from a Our Personal Loan rate at 9% (9.4% APR)

  • There are no hidden fees or transaction charges
  • Up to 3 Months Pre Approval
  • Free Loan Protection Insurance
  • Our interest rates are fair and reasonable compared to others in the market
  • Your credit union loan is insured - subject to terms and conditions - at no direct cost to you. Other lenders charge for this.
  • You can pay off your loan early, make additional lump sum repayments or increase your regular repayments, without a penalty. Other lenders may charge you extra for paying them back faster!

Representative Example

Borrow €1800 over 18 months, repay €24.69 per week, total amount payable (including interest of €125.41) is €1925.41.
APR is 9.4%.

Contact Us
  • Sarsfield Credit Union
  • Tel: 061 317 910
  • Fax: 061 319 731
  • Email:
  • Web: www.sarsfieldcu.ie
  • Address: Glentworth Street, Limerick
Contact Us
  • Tel:
  • Fax:
  • Email:
  • Address:
  • 061 317 910
  • 061 319 731
  • Glentworth Street, Limerick
Opening Hours
  • mon
  • tue
  • wed
  • thu
  • fri
  • 10:00-16:00
  • 10:00-16:00
  • 10:00-16:00
  • 10:00-16:00
  • 10:00-17:00

We are open throughout lunch.
Call in and talk to us today.

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Sarsfield Credit Union Ltd is Regulated by the Central Bank of Ireland. Reg No. 166CU