Only Fair Loans

Loans

Thinking about that kitchen extension, changing your car or planning that well earned holiday? You should choose Heritage Credit Union for your lending needs. Here you are not a customer, you are a valued member. So, talk to us first!

Loan Calculator

Our Loans at a Glance

Loans are subject to approval, if you do not meet the repayments on your loan, your loan will go into arrears. This may affect your credit rating which may limit your ability to access credit in the future. Terms and Conditions apply. Full list of Terms and Conditions are available at any of our offices. Information correct at July 2024. Heritage Credit Union Limited is regulated by the Central Bank of Ireland.

Home Improvement Loan

Home Improvement Loan

Rates from 7.9% APR

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Car Loan

Car Loan

Rates from 7.9% APR

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Learner Loan

Learner Loan

Rates from 7.9% APR

Learner Loan
Green Loan

Green Loan

Rates from 4.9% APR

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Dental Loan

Dental Loan

Rates from 7.9% APR

Dental Loan
Personal Loan

Personal Loan

Rates from 10.48% APR

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Holiday Loan

Holiday Loan

Rates from 10.48% APR

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Education Loan

Education Loan

Rates from 7.9% APR

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Mortgage

Mortgage

Rates from 4.7% APR

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Within Shares Loan

Within Shares Loan

Rates from 6.11% APR

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Are you a Member without Online Access? Register for a pin so you can access our online services and apply for a loan online.

 

Loan Calculator

Try out our loan calculator

Maximum Loan Amount :
Maximum Loan Term :


Term

Repayment Frequency
APR
10.48%
# Repayments
Total
APR
10.48%
# Repayments
Total
APR
10.48%
# Repayments
Total
APR
10.48%
# Repayments
Total

This calculator is for illustrative purposes only, to give you, the borrower, an overview of the potential cost of borrowing. The Credit Union, or any of its staff, cannot be held responsible for any errors. Please note that this calculator only provides an indicative quote and actual repayments may vary.

Not a Member?

Whether it’s our full digital services such as our online banking and mobile banking app, putting control of your finances at your fingertips, or our friendly staff available to talk to you about your financial needs, we have you covered.

Add our competitive loan interest rates, options to apply and collect online or in person, and our commitment to supporting local community groups and events and you can see why there’s only one place to go for your financial needs.

The Benefits of Borrowing from Us

Our loans are based on your ability to repay and not how long you are a member or how much you have in savings with us

Interest is on your reducing balance, so you pay less interest with each repayment

Repayments are designed to be flexible and to meet your personal circumstances

In the event of your death, your loan is insured - subject to terms, conditions and eligibility criteria - at no direct cost to you

Loan Protection Insurance, Life and Disability cover is available to eligible members

No penalty fees are charged for early repayment of loan balances

There are no hidden fees or transaction charges

Direct Debit payment from your bank and be sure of regular payments to your Credit Union account.

Have more questions?

Try out our FAQ’s section.

FAQs