Affordable Medical Loans – When You Need Them Most
Whether it’s urgent surgery or specialist treatment abroad, we’re here to help with fast, flexible finance – including HSE Cross Border Directive support.
General Medical Loans
✔ For private surgeries, fertility treatment etc.
✔ Flexible terms available
✔ Competitive interest rates
✔ No hidden fees
✔ Life loan protection
✔ Local decisions, fast turnaround
✔ Support from real people
PLEASE NOTE: You will have to make capital and interest payments on the loan until the loan is fully repaid. A loan officer will be able to explain this to you.
HSE Cross Border Directive
- Finance upfront costs for treatment abroad
- Get reimbursed by the HSE, repay loan after 12-16 weeks
- Fast-tracked approval
For further information contact:
HSE Cross Border Directive Scheme
www2.hse.ie/services/schemes-allowances/cross-border-directive/
Surgery Now www.surgerynow.ie
Healthcare Abroad www.healthcareabroad.ie
Calculate your Repayments
Try out our loan calculator
Maximum Loan Term :
10.48%
10.48%
10.48%
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.
Medical 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.
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