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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.
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!
