School fees, college fees, expensive equipment, and books - we know all about the cost of education. Talk to us today about an Education Loan to find out how we can help you on your academic journey.
If you are heading off to college for the first time, doing a masters or even a part time course, talk to us about a loan to help with the expense at this important time. For fees, books, equipment, or accommodation. Here at Heritage Credit Union, we can help you grow.Apply Now
Calculate your Repayments
Try out our loan calculator
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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.
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.
Rate of interest - APR
Total Cost of Credit
Loan Application Process
Become a Member
Join Heritage Credit Union and avail of numerous tailored benefits, outstanding customer service and amazing community
Calculate your Loan
Estimate how much you could borrow and calculate your repayments: weekly, fortnightly, or monthly using our online calculator
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!
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.