Whether it’s an extension, new kitchen, attic conversion, garden renovations or redecorating
…..make your dreams come true!

Take advantage of our Low-Rate Home Improvement Loan. Borrow up to €75,000 with flexible repayment options.

Why Borrow With Us

  • No Fees

    No hidden charges with a credit union loan; no processing charges or documentation fees.

  • Quick Decisions

    We aim to review all applications within 24 hours with all documentation received.

  • Personalised Process

    We put our members first, we consider every loan application on a case-by-case basis.

  • Low Rate Loans

    Our Low Rate Home Improvement loan is available now. Also you only pay interest on the reducing balance of your loan. 

  • Not a Member, No Problem!

    Join and apply. Joining is quick and easy. Pop into any of our branches to join today. 

  • Free Loan Protection Insurance

    Should a member with an outstanding loan balance pass away or become totally and permanently disabled, the balance is repaid in full. (T & C’s apply).

Apply Now

Loan Calculator

Your Details

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:

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    Need Help or Want More Information

    Call Us

    069 64444

    Phone-A-Loan or talk to us about any questions

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    Rathkeale, Adare or Croom

    Visit any of our branches, our staff are happy to help.

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    Email us about any questions you have

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    Don’t call it a dream, call it a plan

    Talk to us and get started!

    Know Your Loan: A loan of €25,000 over 10 years with weekly instalments costs €72.16 at a variable rate of 8.5% (Annual Percentage Rate (APR) 8.83%). The total amount repayable is €37,666.79. Cost of credit is €12,666.79.

    Whilst every care has been made in the production of this information, it is for illustrative purposes only and to give you an overview of the potential cost of borrowing at Rathkeale & District Credit Union. It does not constitute a loan offer.

    Warning: 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 Ltd. is regulated by the Central Bank of Ireland .

    The information provided on this calculator is for information purposes only and does not constitute an offer of credit or any form of advice, recommendation or arrangement by the Credit Union. The calculation is based on limited information provided by you, a credit decision will require further information and full underwriting. Lending criteria and terms and conditions apply. Rathkeale & District Credit Union Ltd. accepts no responsibility for errors due to changes in rates or offers which have occurred after this date. You are advised to check with our offices for up-to-date rates and offers.