LOANS

We Are Lending

We have excellent competitive loan rates for everything you need; a new car, holidays, home improvements, your children’s education, family events, your big day, dental work and so much more!

Our Loans

Speedy Loan Decisions with a Friendly Service

Car Loans

With a competitive and affordable car loan from SPCU, you’ll enjoy all the bargaining power of a cash buyer, plus the ability to buy new or second-hand.

Home Improvement Loans

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.

Standard Loans

We have loans to cater for all your personal needs and much more. Make your dream a reality with a St. Paul’s Garda Credit Union Standard Loan.

Share Covered Loans

A Share Covered Loan is a cost-effective way to access funds while leaving your savings untouched. It’s one of the easiest & cheapest ways to borrow.

Student Loans

St. Paul’s Garda Credit Union offer a low fuss student loan and we will help you through the loan process, so you can embark on your dream without worry.

Important Information

The two most important things about a loan are, being able to borrow the money and being able to repay it.

At St. Paul’s we encourage you to manage your money carefully by structuring loans around your needs and your ability to repay.

Our loan rates mean you can borrow at a reasonable rate of credit compared to other financial providers – compare us to other financial service providers and you will see that you get a great deal at St. Paul’s Garda Credit Union.

Benefits of a St. Paul’s Loan

Transparency

There are no hidden fees or transaction charges.

Interest Rates

Our interest rates are fair and reasonable compared to others in the market.

Free Insurance

Your St. Paul’s loan is insured – subject to terms and conditions – at no direct cost to you. Other lenders charge for this.

Pay Loan Off Early

You can pay off your loan early, make additional lump sum repayments or increase your regular repayments, without a penalty. Other lenders may charge you extra for paying them back faster!

Flexible Repayments

Repayments can be tailored to suit your particular circumstances.

Easy Process

Easy application process and speedy decisions.