Find the perfect loan for you

Why Choose Our Loan

You may require a loan for different life events – holidays, house refurbishment, car purchase etc. At Bishopstown Credit Union we encourage you to manage your money carefully by structuring loans around your needs and your ability to repay.

When you borrow from the Credit Union, you will find many advantages in comparison to other financial institutions.

  • There are no hidden fees or transaction charges.
  • 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!
  • Easy application process

Our Loans at a Glance

First Time Loan 6%

6.2% APR. First-time Borrower. Maximum term: 15 years.

Personal eLoan 7.99%

8.2% APR. Personal Loan. Maximum term: 10 years. Maximum Loan: €50,000.

Auto Loan 6.99%

7.2% APR. Cars, motorbikes, tractors, PCP bulk payment etc. Maximum term: 5 years. Minimum Loan: €1,000.

Home Improvement Loan 6.99%

7.2% APR. Members undertaking home improvements. Maximum Term: 15 years. Minimum Loan €10,000.

Key (Secured) Loan 4.99%

5.1% APR. Repayments must be made electronically. First Charge required. Maximum term: 15 years. Minimum Loan: €50,000.

Counter Loan 8.49%

8.83% APR. First-time Borrower. Maximum term: 15 years.

Loans Frequently Asked Questions


Bishopstown Credit Union will consider loan applications from Members for any worthwhile purpose. Each application is treated in the utmost confidence and will be considered on its own merits.

It is Bishopstown Credit Union policy to meet the borrowing requirements of as many Members as possible, depending on the available funds. The granting of a loan is also dependant on the member’s individual capacity to meet the proposed repayments. Providing loans for Members is one of our main functions. Here at Bishopstown Credit Union, loans are provided on reasonable terms to Members, ensuring that money is injected back into the local area for the benefit of Members and the community as a whole.

If you would like more information on applying for a loan with Bishopstown Credit Union please contact us today.

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