Loan Types

We value our members over profit

Loan Rates

St. Paul’s Garda Credit Union loan rates range from 3.9% (APR 4.0%) to 7.75% (APR 8.0%)

Why not view our loan calculator and see how reasonable a credit union loan can be. Since the interest is charged only on the outstanding balance of the loan, you will pay even less interest if you repay your loan in a shorter time than planned.

CASHBACK – You can get up to €400 Cashback when you get a loan from St. Paul’s to purchase a new Ford or Hyundai! Click here for details.

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Share Covered Loan 3.9% (4.0% typical APR)

A special rate for members who have supported us and fellow members by keeping their savings with us.

Conditions:

  • Loan amount is within Share balance amount
  • Shares will be tied to Loan for the lifetime of the Loan
  • Share balance cannot be reduced below the Loan balance
  • Loan Duration: Up to 5 years
  • Lending Terms and Conditions apply

Supporting Documentation Required for Share Covered Loans

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

How much will your Share Covered Loan cost?

Standard Rate Loan 7.75% (8.0% typical APR)

Loans for – Car – Christmas – Clear other Debts – Back to School – Dental – Electrical Goods – Engagement – Family Events – Fuel – Furniture – Graduation – Holidays – Home Improvements -Insurance – Legal Bills – Medical – Tax – Wedding – etc…

Conditions:

  • Loan Duration: Up to 5 years
  • Lending Terms and Conditions apply

Supporting Documentation Required

  • 3 Months Bank/Mortgage Statements
  • 2 Recent Pay/Pension Slips

How much will your Loan cost?

Student Loan 4.75% (4.9% typical APR)

To support your investment in your future!

Conditions:

  • Evidence of Third level college fees and/or associated accommodation costs required
  • Loan Duration: Up to 7 years
  • If Student is applying for the loan a guarantor may be required
  • Lending Terms and Conditions apply

Supporting Documentation Required

  • 3 Months Bank/Mortgage Statements
  • 2 Recent Pay/Pension Slips

How much will your Student Loan cost?

Home Improvement Loan 4.25% (4.33% typical APR)

Conditions:

  • Minimum Loan amount €15,000 (Lower home improvement balances available at the Standard 7.75% Rate and Conditions (8.0% typical APR))
  • Loan Duration: Up to 10 years
  • Additional security may be required
  • Lending Terms and Conditions apply

Supporting Documentation Required

  • 3 Months Bank/Mortgage Statements
  • 2 Recent Pay/Pension Slips
  • Quotation or Invoices for Home Improvement work to be done

How much will your Home Improvement Loan cost?

Car Loan 4.9% (5.0% typical APR)

Conditions:

  • Minimum Loan amount €5,000 (Lower car loan balances available at the Standard 7.75% Rate & Conditions (8% typical APR))
  • Loan Duration: Up to 5 years
  • Proof of purchase required (Copy of Vehicle Registration Cert) or loan cheque made payable to Motor Dealer or 3rd party
  • Lending Terms and Conditions apply

Supporting Documentation Required

  • 3 Months Bank/Mortgage Statements
  • 2 Recent Pay/Pension Slips

CASHBACK: Get up to €400 Cashback when you get a loan from St. Paul’s to purchase a new Ford or Hyundai! Contact us on 021-4313355 for details

How much will your Car Loan cost?

Housing Loan 4.1% (4.18% typical APR)

House Purchase and Improvements or Switching Mortgage, for principle residence only

Conditions:

  • Minimum loan €25,000
  • Maximum loan €200,000
  • Maximum Loan to Value (LTV) 80%
    • First time buyers Maximum Loan to Value (LTV) 90%
  • Maximum Term 25 years
  • Maximum Loan to Income (LTI) 3.5 times gross annual salary
  • Professional Valuation on the property required
  • First Legal Charge in favour of St. Paul’s Garda Credit Union Ltd.  on the property required
  • St. Paul’s Garda Credit Union Ltd. interest noted on Fire insurance cover on property
  • Life Cover for amount and duration of loan through our Life Assurance Company required, applicant must qualify for insurance.
  • Principle residence only
  • Property in Republic of Ireland only
  • For a Home in Joint names, Housing Loan must be in Joint names
  • Lending Terms and Conditions apply

Supporting Documentation Required

  • 3 Months Bank/Mortgage Statements
  • 2 Recent Pay/Pension Slips

How much will your Home Loan cost?

Site Purchase Loan 4.1% (4.18% typical APR)

Site purchase for the purpose of building a family home

Conditions:

  • Maximum loan €75,000
  • Maximum Loan to Value (LTV) 90%
  • Maximum Term 10 years
  • Professional Valuation on the property required
  • First Legal Charge in favour of St. Paul’s Garda Credit Union Ltd. on the property required
  • Life Cover for amount and duration of loan through our Life Assurance Company required, applicant must qualify for insurance.
  • Site purchase for the purpose of building a principle residence only
  • Must have Outline Planning Permission at lease
  • Property in Republic of Ireland only
  • Lending Terms and Conditions apply

Supporting Documentation Required

  • 3 Months Bank/Mortgage Statements
  • 2 Recent Pay/Pension Slips

How much will your Site Purchase Loan cost?

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