Need Short Term Cash?

Our 1 Year Loan is designed to help our members with short term cash needs at a low-rate.

– Borrow up to €5000 at 9% (9.37%APR) payable over 12 months –

24 Hour Loan Turnaround

Your loan application will be processed within 24 hours if all relevant documentation accompanies the loan appliction and is received by 1pm.

Loan Calculator

Types of loans available
Amount you'd like to borrow (€)
Repayment term
For how long (years)

Each repayment will be:
Your total repayment will be:
The total interest will be:

Calculator is based on our current lending rates and is only intended as an indication of payments. Lending is subject to a current assessment. T&C’s apply.

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    How To Apply

    We try to make our loan application process as easy and stress-free as possible. We have a number of different application options. Firstly you need to be a member of the credit union. Joining is easy – click here to find out more!

    In Branch

    You can apply in any of our branches at anytime. There is no need to make an appointment.

    Click here to view the opening hours of our 3 branches.

    Over The Phone

    You can call us and we will talk you through the process.

    Rathkeale: 069 64444 | Adare: 061 396 790 | Croom: 061 397 783


    You can apply for loans through our CU Online Banking facility.


    What Do I Need To Apply

    We aim for quick decisions. All our applications are treated confidentially and on their own merits. The key consideration is a member’s ability to make the loan repayments over the term of the loan.


    • 3 most recent receipts of any income you receive (payslips, social welfare, children’s allowance, pension)


    • PPSN Number


    • Self Employed: your most recent set of accounts.

    Financial Statements

    • 3 most recent months of your bank statements. Your statements should show your income and any mortgage / rent or other loan payments you may have.


    • Self Employed: 6 months of your business bank statements, dated as close to your application as possible.


    • You can print your bank statements in our branches. Remember to bring your bank account login details.

    Additional Information

    • Proof of Address: A utility bill or bank statement showing the address of your current residence. This must be dated within the last 6 months.


    • Photographic ID: Current Drivers Licence or Passport. We may already have these on file for you.


    • Some loans may require additional information.

    Click here to read about the Central Credit Register.
    Loan criteria, terms and conditions apply. Rathkeale & District Credit Union is regulated by the Central Bank of Ireland.