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Let us CU through college!
- Full Time and Part Time Courses
- College Fees
- Course Equipment
- Rent
- Bridging Loan for Grants
- And much more!
| Loan Amount: | €10,000 |
| APR Variable Rate: | 6.05% APR |
| Total Cost Of Credit: | €1,546.72 |
| Number of Weekly Repayments: | 260 Weeks |
| Total Amount Repayable: | €11,546.72 |
| You pay per week over 5 years: | €44.43 |
Maximum term 5 years (60 months).* 5.9% Variable Student Loan Rate (6.05% APR), lending criteria, terms and conditions apply. For Student Loan you only need a minimum of €100 in savings, regardless of how much you borrow. It is normal policy for a Parent/ Guardian to act as Guarantor for a Student Loan. Cara Credit Union is regulated by the Central Bank of Ireland.
Apply by Phone 066 712 2373 (Dial 1 for Loans) or
Call in and speak to us at Tralee, Castleisland or Killorglin.
Education Awards worth €10,500
Open draw- €1,500 each to 7 lucky members (T&C’s apply)
Application accepted from 1st August to 30th September.
Need an Insurance Quote? Get your Motor, Home, Travel Insurance Member Discount, For Details click here
6.5% variable Car Loan (6.69% APR)
NEW | SECOND HAND | PERSONAL | COMMERCIAL
| Loan Amount: | €10,000 |
| APR Variable Rate: | 6.69% APR |
| Total Cost Of Credit: | €1,712.39 |
| Number of Weekly Repayments: | 260 Weeks |
| Total Amount Repayable: | €11,712.39 |
| You pay per week over 5 years: | €45.06 |
- 6.5% Variable Car Loan Rate lending criteria, terms and conditions apply.
- Quotations required, payment will be made payable to dealer/seller.
- This is the promotional loan rate available on car loans taken out before the 30th September 2020. Approved applications have until 31st October 2020 to collect the loan. Loans applied from 1st October 2020 will be charged 9% Variable Car Loan Rate (9.38% APR). Cara Credit Union Ltd. is regulated by The Central Bank of Ireland. Loans applied
Apply by Phone 066 712 2373 (Dial 1 for Loans) or
Call in and speak to us at Tralee, Castleisland or Killorglin.
Need an Insurance Quote? Get your Motor, Home, Travel Insurance Member Discount, For Details click here
Get your 1st Loan at a Special Reduced Rate
7.5%* Variable ‘First Loan’ Personal Loan
| Loan Amount: | €10,000 |
| APR Variable Rate: | 7.75% APR |
| Total Cost Of Credit: | €1,990.80 |
| Number of Weekly Repayments: | 260 Weeks |
| Total Amount Repayable: | €11,990.80 |
| You pay per week over 5 years: | €46.14 |
7.5% Variable Personal Loan Rate (7.75% APR), lending criteria, terms and conditions apply. Cara Credit Union Ltd. is regulated by the Central Bank of Ireland
Lower rates may be available for specific types of loans. Top up loans will revert back to normal loan rates. Quotations may be required.
Apply by Phone 066 712 2373 (Dial 1 for Loans) or
Call in and speak to us at Tralee, Castleisland or Killorglin.
Need an Insurance Quote? Get your Motor, Home, Travel Insurance Member Discount, For Details click here
7.5% * Variable Personal Loan ( 7.75% APR)
- Borrow €15,000 or more
- Borrow up to 10 years
| Loan Amount: | €25,000 |
| APR Variable Rate: | 7.75% APR |
| Total Cost Of Credit: | €8,229.97 |
| Number of Weekly Repayments: | 416 Weeks |
| Total Amount Repayable: | €33,229.97 |
| You pay per week over 8 years: | €79.90 |
Minimum Loan Withdrawal €15,000.
Up to 10 Years Loan Term is dependent on Loan Purpose.
Tax Relief available for Home Improvements please see www.revenue.ie
* 7.5% Variable Loan Rate (7.75% APR), lending criteria, terms and conditions apply.
Maximum term up to 10 years dependent on Loan Purpose.
Cara Credit Union is regulated by the Central Bank of Ireland.
Apply by Phone 066 712 2373 (Dial 1 for Loans) or
Call in and speak to us at Tralee, Castleisland or Killorglin.
Need an Insurance Quote? Get your Motor, Home, Travel Insurance Member Discount, For Details click here
7.9% variable Home Improvement Loan (8.18% APR)
| Loan Amount: | €10,000 |
| APR Variable Rate: | 8.18% APR |
| Total Cost Of Credit: | €2,103.58 |
| Number of Weekly Repayments: | 260 Weeks |
| Total Amount Repayable: | €12,103.58 |
| You pay per week over 5 years: | €46.57 |
Typical 7.9% variable Home Improvement Loan (8.18% APR). Minimum Loan €5,000. Quotations required, lending criteria, terms and conditions apply. 9% variable Home Improvement Loan (9.4% APR) applies to loans less than €5,000, lending criteria, terms and conditions apply. Cara Credit Union Ltd is regulated by the Central Bank of Ireland.
If you need over €15,000 we offer a Lower Rate of 7.5% * Variable Personal Loan
( 7.75% APR) with up to 10 Year Loan Term.
Apply by Phone 066 712 2373 (Dial 1 for Loans) or
Call in and speak to us at Tralee, Castleisland or Killorglin.
Need an Insurance Quote? Get your Motor, Home, Travel Insurance Member Discount, For Details click here
For all purposes and occasions
| Loan Amount: | €1,000 |
| APR Variable Rate: | 9.38% APR |
| Total Cost Of Credit: | €46.32 |
| Number of Weekly Repayments: | 52 Weeks |
| Total Amount Repayable: | €1,046.32 |
| You pay per week over 1 year: | €20.14 |
* 9% Variable Personal Loan Rate (9.38% APR), lending criteria, terms and conditions apply. Cara Credit Union is regulated by the Central Bank of Ireland.
Apply Online Click Here
Loan Repayment Calculator Click Here
Apply by Phone 066 712 2373 (Dial 1 for Loans) or
Call in and speak to us at Tralee, Castleisland or Killorglin.
Need an Insurance Quote? Get your Motor, Home, Travel Insurance Member Discount, For Details click here
Home Renovations / Purchases.
- Loans from €25,000 to €175,000
- Long Term Loans up to 35 Years available
- Free Life Insurance Cover (T&C’s apply)
- Maximum Loan to Property Value is 80%
- Security will be by way of 1st legal charge on property
- Other lending criteria, terms and conditions apply
| Loan Amount: | €50,000 |
| APR Variable Rate: | 5.64% APR |
| Total Cost Of Credit: | €14,968.47 |
| Number of Weekly Repayments: | 520 Weeks |
| Total Amount Repayable: | €64,968.47 |
| You pay per week over 10 years: | €125.07 |
Warning: With a variable loan the cost of your repayments may increase. If you do not keep up your repayments you may lose your property.
* 5.5% Variable Loan Rate (5.64% APR), lending criteria, terms and conditions apply. Cara Credit Union is regulated by the Central Bank of Ireland.
Apply by Phone 066 712 2373 (Dial 1 for Loans) or
Call in and speak to us at Tralee, Castleisland or Killorglin.
Need an Insurance Quote? Get your Motor, Home, Travel Insurance Member Discount, For Details click here
- Registered Clubs and Societies
- Long Term Loans Available
| Loan Amount: | €10,000 |
| APR Variable Rate: | 5.63% APR |
| Total Cost Of Credit: | €1,437.36 |
| Repayment Protection Insurance: | 0 |
| Number of Weekly Repayments: | 260 Weeks |
| Total Amount Repayable: | €11,437.36 |
| You pay per week over 5 years: | €44.01 |
* 5.5% Variable Loan Rate (5.63% APR), lending criteria, terms and conditions apply.Cara Credit Union is regulated by the Central Bank of Ireland.
Apply by Phone 066 712 2373 (Dial 1 for Loans)
Need an Insurance Quote? Get your Motor, Home, Travel Insurance Member Discount, For Details click here
Make your Savings work for you
- Minimum Loan Value is €5,000
- On the Spot Approval
- Free Life Cover on your Savings AND your Loan.
- At the end of the loan, you’ll still have your Savings.
- Shares are held as security and must be equal to or greater than the Loan Value
- Special Term Accounts may not be used as security
- This rate applies to new loans only
If you have access to savings elsewhere you can transfer them to your account to avail of this low rate.
| Loan Amount: | €5,000 |
| APR Variable Rate: | 5.64% APR |
| Total Cost Of Credit: | €718.69 |
| Number of Weekly Repayments: | 260 Weeks |
| Total Amount Repayable: | €5,718.69 |
| You pay per week over 5 years: | €22.02 |
* 5.5% Variable Loan Rate (5.64% APR), lending criteria, terms and conditions apply. Cara Credit Union is regulated by the Central Bank of Ireland.
Apply by Phone 066 712 2373 (Dial 1 for Loans) or
Call in and speak to us at Tralee, Castleisland or Killorglin.
| Loan Amount: | €50,000 |
| APR Variable Rate: | 6.05% APR |
| Total Cost Of Credit: | €16,157.45 |
| Number of Weekly Repayments: | 520 Weeks |
| Total Amount Repayable: | €66,157.45 |
| Repay Weekly: | €127.24 |
Minimum Loan withdrawal is €50,000 and maximum Loan withdrawal is €75,000 available up to 10 years, based on member’s ability to repay. For loans greater than €75,000 see our Secured Loan click here
*5.9% Variable Personal Loan Rate (6.05% APR), lending criteria, terms and conditions apply. Cara Credit Union is regulated by the Central Bank of Ireland.
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This is an unsecured personal loan available on new loans only, based on members ability to repay. Top Up Loans will revert back to our normal loan rates.
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Quotations will be required.
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Loan can not be used to consolidate or clear existing borrowings.
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Joint Loan Applications = Double Life Cover.
Apply by Phone 066 712 2373 (Dial 1 for Loans) or
Call in and speak to us at Tralee, Castleisland or Killorglin.
New to Cara Credit Union, a loan specifically designed for Farmers. Cultivate provides short to medium term loan opportunities built specifically around the growing needs of our farming members.
Whatever your needs:
- Invest in new or second hand machinery
- Upgrade your buildings and facilities
- Purchase additional livestock
- Obtain working capital
- Increase cashflow
Apply by Phone 066 712 2373 (Dial 1 for Loans) or
Call in and speak to us in our Tralee, Castleisland or Killorglin branches.
6.75% APR
- Borrow up to €50,000
- Borrow up to 7 years
- Annual or Bi-Annual Repayment Schedules to suit your needs.
- Not a Member, Join to Borrow
- Cara Credit Union is regulated by the Central Bank of Ireland.
Local businesses are the backbone of our communities in Tralee, Castleisland & Killorglin. We understand that every €10 spent in a local business generates more than €40 of benefit in the local community in terms of employment
So whatever stage your business is at, you may need a helping hand. If you do, we are here to CU through.
If you are a sole trader, a partnership or a limited company, talk to us about a great value, flexible business loan. Because like you, we’re local.
What to find out more? Speak to a member of our experienced team:
- Fill in the form below for a call back
- Call us on 066 712 2373 (dial 1)
- Email us at Loans@caracreditunion.ie
A Cara Credit Union Business Loan – BENEFITS TO YOU
- Decisions are made locally.
- Allows you to do the things you want to do.
- Our loan application process is quick and efficient.
- Competitive interest rates with flexible repayment terms.
- No administration fees or hidden charges.
- Interest is calculated on the reducing balance so you pay less interest with each repayment.
- No Fees and No Penalties if you repay your loan early.
- You are supporting your local Credit Union
