Personal Loan

Personal Loan

Want to buy that piece of gym equipment? Need a new laptop? What about that dental work you have been promising yourself?

At Heritage Credit Union we are here to help. Talk to us about a Personal Loan today!

Apply Now

Calculate your Repayments

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.

Personal 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

10.48%

Loan Term

3 years

Total interest

€806

Montly Repayment

€161

Total Cost of Credit

€5,806

Loan Application Process

Step

1

Become a Member

Become a Member

Join Heritage Credit Union and avail of numerous tailored benefits, outstanding customer service and amazing community

Step

2

Calculate your Loan

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 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!

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?

Are you ready to apply or do you need more information on our affordable 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.

Apply Now Contact Us

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.