Our Loan Rates

Loan Applications

The Credit Union will consider loan applications from members for any worthwhile purpose. Each application is treated in the utmost confidence and will be considered on its own merits. It is credit union policy to meet the borrowing requirements of as many members as possible.

Applications for loans are made on a standard loan application form. Loans can be applied for by calling to our office, by telephone or via the members section of the web site. Our staff will give you any assistance required. Loans will then be considered by a Loan Officer, or will go to the weekly Credit Committee meeting.

Your loan will be assessed within 72 hours.

What you need to apply for a Credit Union Loan

To apply for a Loan please provide:

• Proof of Income (3 recent payslip or  3 social welfare payment receipts)
• P60 for the previous year
• 3 Months Bank Statements

If your are self-employed, please provide:

• 2 Years of Notice of Assessments and Accounts
• Tax Clearance Certificates
• 3 months Bank Statements

Additional Information required for:

College loans

• Proof of College Place and Breakdown of Loan Purpose is required (college loan only)

Thomastown Credit Union can facilitate all the personal loan requirements of its members and we currently offer our members three types of personal loans*:

• Standard Loan at 12% (12.68% APR)
• Special Home Improvement Loan at 7.6% (7.89% APR)
• Special Motor Loan at 8.2% (8.5% APR)
• Third Level Education Loan  at 7.5% (7.79%)
• Secured Loan at 5.83% (6 % APR)

Please see our Loan Calculator to see how much a particular loan would cost you.

*All loans are subject to Terms & Conditions which may change from time to time, and are subject to final approval by the appropriate officers.

Download Loan Application Form (104kb) Online Loan Application Form

What makes us different?

• Allows you to do the things you want to do
• Our loan application process is quick and efficient
• Competitive interest rates with flexible repayment terms
• Interest is calculated on the reducing balance. Remember, the quicker you clear your loan, the less interest you pay.
• No Fees and No Penalties if you repay your loan early
• Free Loan Protection Insurance, your loan is cleared in the event of your death or permanent disability (terms and conditions apply)
• When your loan is cleared, you will still have your savings
• For Motor Loans, you own the vehicle straight away. No lease and no hire purchase. You are effectively paying with cash to bargain your way to a better deal.

Please complete all your details in the form below, and click submit when you have finished.

Loan Enquiry Form

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Full Name:	*
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Email:	*
Purpose of Loan:	*
Loan Amount:	*
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