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.
Improving Your Home
Home Extensions
Need more space but don’t want to move? A home extension can give you the extra room you need without leaving the home (or neighbourhood) that you know.
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Attic Conversions
Need more space at home? Converting your attic can be a great way to make better use of the space you already have, whether you’re planning a new bedroom, home office, playroom or additional living space.
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Kitchen Renovations
Whether you’re giving your kitchen a simple refresh or planning a complete redesign, renovating your kitchen can make one of the most-used rooms in your home work better for you.
Learn More
Bathroom Renovations
Whether you’re updating an outdated bathroom, creating a more accessible space or planning a complete renovation, a new bathroom can make a big difference to the comfort and practicality of your home.
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Garden Rooms & Cabins
Whether you're planning a garden office, home gym, studio, guest room or simply need some extra space, a garden room can give you more room without the disruption of a traditional home extension.
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Garden Offices
Looking for a dedicated place to work from home? A garden office can give you a separate, comfortable workspace without sacrificing a bedroom or other living space inside your home.
Learn MoreMaking Your Home Greener
Solar Panels
Generate more of your own electricity with solar PV panels. Explore installation costs, available grants and options for financing your solar upgrade.
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Windows & Doors
Make your home warmer and more energy efficient by upgrading older windows and doors. Explore costs and your options for financing the work.
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Home Energy Retrofits
Planning a wider energy upgrade? Explore financing for insulation, heating, windows, solar panels and other improvements designed to make your home more energy efficient.
Learn MoreCars & Getting Around
Buying a Used Car
Looking for your next car? Explore used car costs, what to check before you buy and your options for financing your purchase.
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Buying an Electric Car
Thinking about switching to electric? Explore EV costs, grants and what to consider when financing a new or used electric car.
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Buying a Campervan
Planning more adventures on the road? Explore campervan costs, what to consider when buying and options for financing a new or used campervan.
Learn MoreLife's Big Moments
Wedding Loans
Planning your big day? Explore wedding costs, budgeting tips and options for spreading the cost with a Personal Loan.
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Honeymoon Loans
Planning a trip to remember? Explore honeymoon costs, budgeting considerations and options for financing your time away.
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Engagement Rings
Looking for the perfect ring? Explore engagement ring costs, what to consider when choosing one and options for spreading the cost.
Learn MoreEducation & Career
Postgraduate & Masters Courses
Taking the next step in your education? Explore postgraduate course costs, funding options and ways to finance your studies.
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Student Accommodation & Expenses
Moving away for college? Explore student accommodation costs, upfront payments and options for financing rent and other college expenses.
Learn More
How to apply for a Loan
To apply for a loan with us at Heritage Credit Union, you’ll need to follow a few steps and provide some documentation.
Here’s what you need:
- Become a Member: You must be a member of Heritage Credit Union to apply for a loan.
- Documentation: Unless you are applying for a loan within Shares, you will need:
- Your last 3 payslips
- Your last 3 months of bank statements (you can opt into Open Banking to speed up your application)
If you are self employed, additional documentation will be required.
- Calculate Your Loan: You can estimate how much you could borrow and calculate your repayments using our online loan calculator available on our website.
- Apply for the Loan: You can apply online through our website or mobile app, where you can also upload your loan documents.
- Submit Your Application: After submitting your application and documents, we aim to process it quickly, often providing a loan decision within 1-5 working days.
If you have any specific questions about the loan types we offer or need assistance with the application process, feel free to ask! Try asking Harry, our AI Agent. Or call us on 01 4900162 or drop into any of our branches.
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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 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.
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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