Holiday Loans

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Credit Union Loans

YOUR HOLIDAY LOAN

Your Way...


Whether you're looking for THE 'if not now, then when' ONCE-IN-A-LIFETIME HOLIDAY LOAN, or THE 'I can't wait to see their excitement' FAMILY HOLIDAY LOAN, come and talk to your local credit union.


Loan Enquiry...

Your Holiday Loan - Your Way

Whether you're looking for THE 'if not now, then when' ONCE-IN-A-LIFETIME HOLIDAY LOAN, or THE 'I can't wait to see their excitement' FAMILY HOLIDAY LOAN, come and talk to your local credit union.

WE'RE NOT HERE FOR PROFIT.

WE'RE HERE FOR PEOPLE.

Our philosophy has always been to look at things differently. We understand the difference a holiday loan can make to your life - creating memories and high points to look forward to, so we always look at your whole story to make sure you arrive at the perfect destination. We only propose holiday loans with realistic terms, which you can pay back in a way that works best for you.

We don't charge administration fees or transaction charges and you can pay back your holiday loan early without penalty, if that becomes an option. Remember, in your local credit union, you are not a customer, you are a valued member.

So if you are thinking about heading off on a holiday, call in to us today.

 

DOING IT YOUR WAY:

Almost all of us at some stage want (or need!) to get away from it all and go on a holiday break. Be it just for a weekend with friends, a family fortnight away or a honeymoon! That special time away from all the daily routines can be just what you need to recharge the batteries and reduce stress.

So, no matter what your holiday loan is for - from far-flung adventures, to yearly breaks or THE 'I can't wait to see their excitement' FAMILY HOLIDAY LOAN, your credit union will ensure everything is clear, transparent and straightforward.

  • There are no hidden fees or transaction charges.
  • Credit union interest rates are fair and reasonable and are capped by law.
  • Repayments are calculated on your reducing balance, so you pay less interest with each repayment.
  • In the event of your death, your credit union loan is insured - subject to terms, conditions and eligibility criteria - at no direct cost to you.
  • 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!

 

HOW MUCH DOES A HOLIDAY LOAN MY WAY COST?

The maximum interest rate which a credit union can charge is 12% (12.68% APR)*. In practice, most credit unions have interest rates which are significantly lower than that. Please check with your local credit union for further details. The maximum loan period can vary, depending on each credit union's own policy.

* For a €3,000 one year variable rate loan with an interest rate of 12%, an annual percentage rate of 12.68%, the monthly repayment will be €266.55 and the total amount repayable will be €3,198.56

 

LOOKING AT HOLIDAY LOAN REPAYMENTS YOUR WAY

The two most important things about any loan are, being able to borrow the money and being able to repay it. As this is your loan, we believe you should be able to do both, in ways that suit you You agree a repayment plan that suits you today and if your situation changes, you can talk to your credit union about possibly changing your repayment plan.

Your credit union is there to help you - the member - not to make a profit for someone else.

Remember a credit union holiday loan is a straight forward loan with an agreed term and a regular repayment plan - your credit union can help you settle on an amount that won't mean paying off your annual holiday over many years.

 

HOW DO I APPLY FOR A HOLIDAY LOAN?

If you're not already a credit union member why not join today? You'll find your local credit union on creditunion.ie or in your local area phone book.

For members, it's as simple as visiting your credit union and discussing your needs. They will give you an application form to fill out.

Your application is treated in the utmost confidence and will be considered on its own merits. In deciding, whether or not to grant the loan we take into account your record of savings and loan repayments, as well as your ability to repay.

 

JOIN NOW          Loan Enquiry...

Your Loan Enquiry Form

Please select where you would like to request a loan from:
Your Local Credit Union
Your Workplace
Credit Union