Whether it’s an extension, new kitchen, attic conversion, garden renovations or redecorating.

make your dreams and sketches come true!

Take advantage of our Low-Rate Promotional Home Improvement Loan Rate – Available for a Limited Time!
Members can borrow from €250 up to €75,000 with flexible repayment options and no penalities for early repayment.

Home Renovation Scheme

– Reduce your home improvement costs even more – 

You may be eligible for the Home Renovation Incentive (HRI) scheme – this scheme enables homeowners or landlords to claim tax relief on repairs, renovations or improvement work that is carried out on their main home or rental property by tax-compliant contractors and that is subject to 13.5% VAT.

The HRI is paid in the form of a tax credit at 13.5% of qualifying expenditure, which can be set against your income tax over 2 years. This effectively reduces the rate of VAT to zero on qualifying work, up to the value of €30,000. In order to qualify for the HRI, the work must be done between 25 October 2013 and 31 December 2018 for homeowners; between 15 October 2014 and 31 December 2018 for landlords; and between 1 January 2017 and 31 December 2018 for local authority tenants. Click for more information on the HRI Scheme.

What Type Of Work Qualifies Under HRI?

  • painting, decorating and tiling
  • plastering, plumbing and rewiring
  • bathroom upgrades
  • fitted kitchens
  • window replacements
  • extensions and attic conversions
  • garages, driveways and landscaping
  • septic tank repair or replacement

SEAI – Better Energy Homes

This scheme provides grants to homeowners who invest in energy efficiency improvements in one or more of the following areas: Roof Insulation, Wall Insulation, Installation of a Gas or Oil fired Boiler, Heating Control Upgrades and Solar panels. Click for more information on SEAI – BEH.

Warmer Homes Scheme (WHS)

This scheme aims to improve the energy efficiency and comfort of your home at no cost to you as long as you own it , if it is built pre 2006 and the owner is in receipt of one of the following; Fuel Allowance, Job Seekers for over 6 months and children under 7, FIS or in receipt of the “One Parent Family”. Click for more information on SEAI – WHS.

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.