Why Choose Heritage CU for a Dental Loan?
At Heritage Credit Union, we believe your smile shouldn’t wait. Our Dental Loans make essential and cosmetic treatments accessible, affordable, and hassle-free.
- Flexible Loan Amounts: Borrow from €2,000 upwards to cover everything from routine cleanings and fillings to major procedures or cosmetic enhancements.
- Competitive APR: Enjoy a low, fixed rate of just 7.63% APR—no surprises, no hidden fees.
- Fast Decisions: Once you submit your application and documents, you’ll receive a loan decision quickly often within 1–2 working days.
- No Early-Repayment Penalties: Pay off your loan early whenever you like, with zero additional charges.
- Local, Personal Service: Decisions are made by our team here in the community, so you benefit from fast responses and tailored support.
Use the handy repayment calculator below to estimate your costs, then click Apply for Loan to get started on your journey to a healthier, brighter smile.
Calculate your Repayments
Try out our loan calculator
Maximum Loan Term :
7.9%
7.9%
7.9%
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.
Dental Loan
Representative Example
A representative example is a term used in financial regulations. The example will help to show you the typical costs associated with a loan for a certain amount.
Loan Amount
€5,000
Rate of interest - APR
7.9%
Loan Term
3 years
Total interest
€610
Montly Repayment
€156
Total Cost of Credit
€5,610
Loan Application Process
Step
1
Become a Member
Join Heritage Credit Union and avail of numerous tailored benefits, outstanding customer service and amazing community
Step
2
Calculate your Loan
Estimate how much you could borrow and calculate your repayments: weekly, fortnightly, or monthly using our online calculator
Step
3
Apply for Loan Online
Apply for your loan from the comfort of your home with our new online loan application. Upload all your loan documents through our mobile app - no paper no stress!
Step
4
Sit back and relax!
Voilá! You are done! Our team are now reviewing your application, we will be in touch shortly to confirm your loan application.
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.
Ready to Apply for a Dental Loan?
Are you ready to apply or do you need more information on our affordable dental loans? Click on "Apply Now" button to start your journey right now. Click on "Contact Us" button to send us a message or call to the Office and talk to our friendly staff.
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