We are Lending

Credit Union loans at competitive rates.

We have excellent competitive loan rates for everything you need; a new car, holidays, home improvements, your children’s education, family events, your big day, dental work and so much more!

We also offer mortgages for the purchase of private homes.

We welcome loan applications from our members. Normally we will require members to have been a member for 2 weeks prior to their first loan application. However we can accept and approve loan applications for new members who haven’t completed the 2 week period in exceptional circumstances.

Each application is treated in the utmost confidence and will be considered on its own merits.

We offer personal loans from as little as 6.25% variable (6.43% APR) which makes us one of the most competitive in the market.

We’re quick at making decisions so you won’t be left waiting for an answer. You can expect a loan decision within 24 hours for most straightforward applications.

We make it easy to apply for a loan.

Check out our Lending FAQs for more information on loans from St. Francis Credit Union.

Branch: Call into any of our 9 branches spread through-out the County.

Telephone: Call our Lending Department at 065 682 8305.

Online: Registered Members can Apply Online here or via the St. Francis Credit Union app

Email: Send an enquiry to loans@stfranciscu.ie

Car Loans

7.50% Variable (7.78% APR)

Standard Personal Loans

10% Variable (10.5% APR)

Home Renovation Loans

8.9% Variable (9.3% APR)

Mortgage Loans

5% Fixed for 5 Years

Education Loans

7.5% Variable (7.78% APR)

Agri Loans

6.55% Variable (6.75% APR)

Green Loans

6.9% Variable (7.14% APR)

Covered Loans

6.25% Variable (6.43% APR)

Benefits of a SFCU Loan

Transparency

There are no hidden fees or transaction charges.

Interest Rates

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

Free Insurance

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

Pay Loan Off Early

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!

*Warning: You may have to pay charges if you pay off a fixed-rate loan early.

Flexible Repayments

Repayments can be tailored to suit your particular circumstances.

Easy Process

Easy application process and speedy decisions.

Important Information

The two most important things about a loan are, being able to borrow the money and being able to repay it.

At St. Francis Credit Union we encourage you to manage your money carefully by structuring loans around your needs and your ability to repay.

Our loan rates mean 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 St. Francis Credit Union.

Top-Up Loans

A Member can apply for a Top-up loan on an existing loan at any time. A Member does NOT have to repay one loan in full before applying for another loan. However, St Francis Credit Union urges our Members to make reasonable repayments before re-applying for Top up loans. 

Warning – This loan may take longer to pay off than your previous loans. This means you may pay more than if you paid over a shorter term.

What steps should a member in financial difficulty take?

  • Should any borrower find themselves in difficulty due to some unforeseen circumstances they should immediately contact the Credit Control Officer.
  • Arrangements can be made to avoid the account going into arrears and protect their good credit record. This is very important as arrears on an existing loan can cause problems if a member applies for further loans.
  • Members in difficulty will be treated sympathetically but the onus rests with the member to make early contact with the Credit Union.
  • The Money Advice and Budgeting Service (MABS) provide an excellent service for members of the community who find themselves in financial difficulties.