Why Borrow With Us?

Our main source of revenue comes from the interest we charge on our loans. But, unlike the banks, because we have no external shareholders, our profit comes back to you, our members. It’s what helps us lend to other members in your community. It’s really simple, but it works!

Great Value Loan Rates

We offer loans from as little as 6.5% variable (6.71% APR) which makes us one of the most competitive in the market.

Easy Application Process

We make it easy to apply for a loan. You can call us, email us or visit us to arrange a private consultation with one of our qualified loans officers. You can also start the application process online by filling out the loan enquiry form

Quick Loan Decision

We’re quick at making decisions so you won’t be left waiting for an answer. You can expect a loan decision within 24 hours for most straightforward applications.

Flexible Repayment Options

It’s part of our ethos and values. We will do whatever we can to accommodate your needs and circumstances.

Free Insurance

We provide free loan protection insurance to eligible members. It means that, in the unlikely event of your passing during the term of your loan, your dependents won’t have to pay the outstanding balance.

No Transaction Fees

With us, there are no administration charges or arrangement fees, no hidden extras or nasty surprises. What you see is what you get.

Our Loan Book is Open

Our Loan Types

Car Loans

Shopping for a New Car or have a PCP balloon payment due? Consider a LDCU Car Loan. Unlike a PCP agreement you own the car from the outset and there are no surprise balloon payments.

Home Improvement Loans

Whether you intend to build a new extension, get a new kitchen or bathroom, fix that leaky roof or revamp your garden; we have a Home Improvement Loan to suit you.

Holiday Loans

Whether you’re planning a family break, romantic getaway, an around the world adventure or attending a wedding abroad, a Holiday Loan from LDCU can help make your holiday plans a reality.

Education Loans

We understand how expensive student life can be – the fees, the books, and especially the accommodation. So why not plan ahead and contact our lending team to discuss an Education Loan?

Covered Loans

Our Covered Loan is for members who need loans for property purchase or improvement, and can secure an appropriate asset against the loan. To balance the larger loan amount, our Secured Loan offers an extended payment term of up to 20 years.

Business Loans

Limerick & District Credit Union has established our Business Loan to provide a flexible and convenient source of credit for those looking to set-up or expand their existing small business.

Your LDCU Branch

Find your nearest LDCU branch here.

Have a Question?

Check our FAQs or message us on Live Chat.

Call Us Now

You can reach us on (061) 455831.