Loans

Loans designed around you, your life, and your goals,

Why Borrow From Limerick & District Credit Union?

Whether you’re borrowing for everyday expenses, a special occasion, or a larger life purchase, Limerick & District Credit Union offers fair, flexible loans designed around you.

We welcome loan applications from all members, no matter how long you’ve been with us — and we take the time to understand your individual needs.

Here’s what makes us different:

  • Funds Readily Available: We have strong lending capacity, meaning we’re well placed to support our members when they need it most.
  • Fair & Flexible Lending: Our loans are assessed based on your ability to repay, with affordable repayments and clear terms — no hidden surprises.
  • Local Decisions, Personal Service: All loan applications are reviewed locally by people who know our community, ensuring a personal and supportive lending experience.
  • No Penalty for Early Repayment: Pay off your loan faster if you can — there are no fees or penalties for early repayments.

Ready to Apply?

Apply online, in-branch, or speak with our friendly lending team today — we’re here to help you move forward with confidence.

Young lady holding a mobile device

Our Loan Types

Explore Limerick & District Credit Union loans with free loan protection insurance, low interest rates,
and personalised repayment plans tailored to your needs.

Car

Whether it’s your first car, an upgrade, or electric, we have the perfect car loan for you.

Home Improvement

Our Home Improvement Loan is here to help with many different types of projects.

Personal

Our personal loan can help finance anything from a holiday to a new wardrobe.

First-Time

We have an excellent First Time Borrower rate for new and existing members.

Green

This is designed to help you save money while you reduce your carbon footprint.

Covered

A Covered Loan allows you to borrow up to the value of your savings at a low rate.

Education

Every year we lend to Students to help them achieve their educational goals.

Business

Explore business loan options to support your business growth.

Important Information

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

At Limerick & District Credit Union 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 interest compared to other financial providers – compare us to other financial service providers and you will see that you get a great deal at Limerick & District Credit Union.

Still Have Questions?

Have a question? See if it’s answered below in our Frequently Asked Questions.

Straight away! Limerick & District Credit Union welcomes loan applications from our members, regardless of how long they have been a member.

You can make an application online by logging into the Member Login area (If not yet registered for online banking, you can Register Here). Alternatively, you can apply at one of our 4 branches. Lastly, you can phone us on 061-455831 to make an application over the telephone.

After you submit your form online, there will be a notice highlighting that your loan application is ‘Awaiting Review’. The Loans Team has received all relevant documents – please do not resubmit your application form. If any more information is required, we will be in touch with you, even if the status has changed.

Warning: If you do not meet the repayments on your credit agreement, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.

Warning: The cost of your monthly repayments may increase

Warning: This new loan may take longer to pay off than your previous loans. This means you may pay more than if you paid over a shorter term.

Warning: As a guarantor of this credit, you will have to pay off the debt amount, the interest and all associated charges up to the level of your guarantee if the borrower(s) do(es) not. Before you sign this guarantee you should get independent legal advice.