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

Loan Calculator

1 year7 years
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Apply by Phone 066 712 2373 (Dial 1 for Loans) or

Call in and speak to us in our Tralee, Castleisland, Killorglin, Ballyduff, Causeway or Corca Dhuibhne branches.


6.55% * (6.75% APR)  Cultivate Farming Loan (unsecured)

  • Borrow up to €75,000
  • Borrow up to 10 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

For large scale capital expenditure like new sheds or land purchase, Cara Credit Union is offering a secured Cultivate Loan up to €300,000 up to 30 years at a reduced rate of 5.25% * (5.38% APR).

Representative example as of 5th July 2023: Loan amount €300,000 over a term of 15 years, 180 monthly repayment of €2,412.01. Total amount repayable €434,159.58


Not yet a member?

What are you waiting for? 62,000 local people can’t be wrong. Apply for membership today, you can even start the process online.


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Disclaimer: The results of this loan payment calculator are for comparison purposes only. The illustration above does not constitute an offer of a loan. The results displayed by this calculator are approximate only and are not a statement of the actual repayments that will be charged on any actual loan. They will be a close approximation of actual loan repayments if available at the terms entered. This information is being provided for you to plan your next loan application.