Home Improvement Loans

Home Improvement Loan 4.25%
(4.33% typical APR)

Rebate of Interest

In January 2024, St Paul’s paid a 5% Rebate of Interest on all personal loans back to our members, effectively reducing our Home Improvement Loan rate to 4.04% (4.11% APR)

How to Apply?


The fastest way to apply is on our Mobile App or via your online account.

Call Us

Call us during office hours on 021 4313355.

Email Us

Send an email with your loan details to us at enquiries@stpaulscu.ie.

Visit Us

Call into our office in Cork with all your required documentation.

Supporting Documentation

Speed up your loan application by having the following loan supporting documentation available.

Supporting Documentation required for

  • Share Covered Loans

  • Loans where the net exposure is less than €5,000, or

  • Members who got their last loan in the previous 6 months and their circumstances have not changed

  • Proof of Income e.g. 2 Pay/Pension Slips

Note: ID and Address must be up to date as described above.

Supporting Documentation required for all other loan types

  • 3 months recent bank/mortgage** statements
  • 2 Pay/Pension slips for applicant (and spouse/partner where applicable)
  • Self-employed income – most recent set of financial accounts
  • Evidence of other income e.g. rental income

** Mortgage Statement showing Mortgage paid up to date or statement of the bank account used to pay the mortgage (if applicable)

Note: ID and Address must be up to date as described above.

Home Improvement Loan 4.25% (4.33% typical APR)

Typical Example

A 10 year Home Improvement Loan of €50,000.00 will have weekly repayments of €117.63, Interest 4.25% variable, (4.33% APR). If the APR does not vary during the term of the loan the total cost of credit is €11,400.38 The total amount payable is €61,400.38

Doing up the house?

If you’re converting unused space in your home, or adding additional space, apply for a Home Improvement Loan with St. Paul’s Garda Credit Union.

Home Improvement Loan Conditions

  • Minimum Loan amount €25,000 (Lower amounts available at the Standard 7.75% Rate and Conditions (8.0% typical APR))
  • Loan Duration: Up to 10 years
  • Quotations or Estimates of the Home Improvements work from the Contractor or Supplier required

Why a Home Improvement Loan With Us?

Thinking of renovation and looking to spread the cost?

Flexible loan schedule

Our easy repayments fit in with your budget.

No fees or charges

We don’t charge any hidden extras.

Speed and convenience

A decision on your loan will be made quickly.

Personal treatment

We provide the best customer service to our members.

Low interest rate

Our low interest rates are extremely competitive.

Ethical loans

A credit union loan is an ethical loan.