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Secured Loans

For that larger loan, buying a home or building an extension, Naas Credit Union offers a secured loan rate of 5.75% (with free loan protection insurance subject to terms & conditions). The maximum loan to value is 60% and we will consider terms of up to 20 years.

Debt Consolidation

If your financial plans include consolidation of existing loans, or clearing the credit card or overdraft, why not consider a debt consolidation loan. By consolidating some or all your debts, you may be able to reduce your monthly expenditure to ease financial pressure.

Student Loans

At Naas Credit Union, we recognise that today’s students are our country’s future. With this in mind, we offer one of our lowest rates of 7.5%. Depending on the circumstances of the student, we may require a parent to go as a guarantor to the loan.  

However, as the loan will be in the student’s name, this is a great way to build your credit history from a young age.

What Do I Need to Apply?

1. You need proof of income (3 recent payslips) and 3 months recent bank statements.

2. You need to be a member of the credit union click here for joining criteria.

3. You do not need an established savings record or minimum share balance, we base our decision on your income and ability to repay. You can apply for a loan on the same day you join.

4. We will need your consent to do an Irish Credit Bureau check.

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Loans are subject to approval. Terms & Conditions apply. If you do not meet repayments on your loan, your account will go into arrears. This may affect your credit rating which may limit your access to credit in the future.

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