Home Renovation Loans

8.9% variable (9.3% typical APR)

Doing up the house?

We call this our ‘Don’t Move, Improve Loan’ because if you love where you live, why move?

If all you need is more space but can’t afford (or don’t want) to move, our Home Renovation Loan might be just the answer.

Fancy a new kitchen or sun room? What about a garden shed or raised decking?

Whatever you have in mind, our Home Renovation Loan can help you on your way.

It’s one of our most popular loans and is perfect for most routine projects around the house.

Home Renovation Loan Features

  • Available for Home Renovations, Redecorating, Extensions, Repairs etc.

  • Maximum loan term 10 years
  • Minimum Loan €20,000

  • Maximum Loan €75,000

  • Free Loan Protection Insurance (Terms and Conditions Apply)
  • No penalty for early repayment
  • Flexible Lending terms
  • Quick and Decisive Decision Making, our approval target is within 24 hours upon receipt of the required financial information

Supporting Documentation

What documents are required for a loan application?


  • 3 months recent and up to date bank statements
  • Credit Card Statement (if applicable)
  • Mortgage Statement (if applicable)

Proof of Income

  • PAYE Employee – 3 recent pay slips
  • Self-employed –

    • 2 years most recent set of Trading Financial Accounts.
    • Revenue Income Tax Notice of Assessment or Form 11 for the last 2 years.
    • Tax Clearance Certificate or Confirmation regarding Tax position.
    • 3 Months up to date Bank Statements (Personal and Business).
  • Social Welfare – 2 recent payment receipts
  • Retired – Proof of all pensions

Photo ID

  • Photo ID – Passport / Driving License
  • Proof of Address – Utility Bill, Bank Statement (dated within the last 6 months)
  • Proof of PPS Number – Medical Card, Payslip, P60

Loan Application Process

1. Become a Member

Once you are living or working within our common bond you are eligible to join us today and start borrowing.

2. Calculate your Loan

Estimate how much you could borrow and calculate your repayments: weekly, fortnightly or monthly using our online calculator.

3. Apply for Loan

Apply for your loan from the comfort of your home or in one of our 9 offices. Applying for a loan is easy and quick. Apply now!

4. Sit back and relax!

The decisions are made quickly on loan applications, usually within 24 hours.

Home Renovation Loan – 8.9% variable (9.3% typical APR)

Representative Example

A 10 year Home Renovation Loan of €50,000 will have 520 weekly repayments of €145.10, Interest 8.9% variable, (9.3% APR). If the APR does not vary during the term of the loan the total cost of credit is €25,449. The total amount payable is €75,449.

Loan Amount Interest Rate Loan Term Total Interest Weekly Repayment Total Cost


8.9% variable

10 Years




How to Apply?


The fastest way to apply is on our Mobile App or via your Online Account.

Call Us

Call us during office hours on
065 6828305.

Email Us

Send an email with your loan details to us at loans@stfranciscu.ie.

Visit Us

Call into any of our 9 offices in Clare with all your required documentation.