Helping make your dreams, big & small come true

A personal loan for home improvements, a home office, a new garden, debt consolidation, a wedding….and much more. A personal loan at 7.5% for loans from €20,000 to €75,000.

Applying is easy – apply online or call 069 64444. Scroll to see what you need to apply.

Great Rate

7.5% (7.75% APR) loans from €20,000

Apply Online

Digital loan applications now available. Apply now.

Join & Apply Same Day

You don’t have to be a member to apply for a loan with us!

Myth Busting

Loan decisions are based on your ability to repay.

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 as an indication of payments.

Why choose a credit union loan?

  • No fees: no administration or transaction fees
  • Quick decisions: we aim to review all loans within 48 hours (full loan applications with all documentation submitted)
  • Local: All decisions are taken at a local level in the best interest of all members.
  • Flexible: You can pay off your loan early, make additional lump sum repayments or increase your regular repayments, all without penalty.
  • Loan protection: Loans are insured by the credit union’s own policy at no direct cost to its members. This is designed to pay off a loan in the event of a borrower’s death – subject to terms, conditions and eligibility criteria.

Apply Online

I am a member & registered for CU Online Banking


I am a member, but not registered for CU Online Banking


I am not a member

You don’t have to be a member to apply for a loan!


Apply By Phone

Our offices are open from 9.30am – 5pm

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

In Branch

Due to the COVID restrictions, there is a limit on the number of people allowed in our offices. We ask that you apply online or by phone where possible.

What Do I Need To Apply

Personal Loan

  • 3 most recent payslips or social welfare slips
  • 3 most recent months bank statements

Additional Information

  • Proof of ID: Valid Drivers Licence or Passport
  • Proof of Address: Bank statement or utility bill dated within last 6 months
  • Proof of PPS: Payslip, Revenue or Medical Card. Public Service Card NOT acceptable
  • We may have your information already on file

Join & Apply Same Day

  • Yes, you can Join and apply for a loan same day.
  • Are you eligible to join us? If you live, work or are in education in our common bond you can join us. Our common bond covers the areas of Rathkeale, Adare, Croom, Ballingarry, Banogue, Cappagh, Croagh, Granagh, Kilfinny and Manister.
  • No additional documentation is needed for your membership.

Terms & Conditions for Promotional Personal Loans

  • The personal loan promotional rate applies to loans over €20,000
  • No top-up loans, new loans only.
  • Additional information may be requested

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.

Information correct as of 06.01.21. Loans are subject to approval. Terms & Conditions apply. If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future. Rathkeale & District Credit Union is regulated by the Central Bank of Ireland.