Tel: (091) 844306 Fax: (091) 874118 Email:

Loans Need for a Loan?

Athenry Credit Union offers several loan rates to suit your needs*

*Terms & Conditions Apply

With loans from Athenry Credit Union, you can avail of:

  • Flexible Repayment Options
  • No penalty for early repayments
  • Top up and refinancing facilities
  • Electronic payment through the set up of a standing order from your bank account.  Call us for a standing order form which has the IBAN and BIC details for your credit union account.
  • No hidden costs or charges

Loan repayment calculator available here

Have a look at our loans to see the loan that suits you:

  1. Regular Loan Rate of 8% (APR 8.3%)

  2. Special Car Loan Rate of 6.3% (6.5% APR)

  3. Community Loan Rate 4.25% (4.33%apr)

  4. Education Loan Rate 5.4% (5.54% APR)

How to apply

Your credit union will consider loan applications from members for any worthwhile purpose. Each application is treated in the utmost confidence and will be considered on its own merits.
Applications for loans are made on a standard loan application form, and your credit union officers will give any assistance required in completing this form. Loan applications will then be considered by the loan officer or credit committee and most decisions are made within 24 hours.

Call 091 844306 today for a Loan consultation on the phone.

Criteria for granting loans

In deciding whether or not to grant the loan, the committee or loan officer will take into account the members record of saving and repayments, as well as ability to repay. Once the loan is granted, the member will be asked to complete a promissory note (which is a legally binding document being a promise to repay the loan), and to commit to regular repayments.

Planning and managing repayments

Credit unions are flexible with regard to repayment plans, though there are some legal limitations to length and amount of loans. The member will be advised on the best repayment plan to meet their own circumstances. Members are generally advised to repay a loan in as short a time as possible. Should a member experience difficulties in meeting repayment commitments, they should immediately explain the situation to the credit union, which will treat the matter sympathetically and in total confidence. Depending on the circumstances, the loan may be renegotiated.

Interest on credit union loans

Athenry credit unions does not charge fees or transaction charges. Since the interest is charged only on the outstanding balance of the loan, you will pay even less if you repay in a shorter time than planned. Thus the credit union gives you control of your own finances, even when you are a borrower.

Saving while repaying

Remember, that even the smallest amount saved regularly grows quickly, and that your savings and loan will be doubly protected by insurance. Savings not only help build up your own fund but also contribute to the credit union's fund. 'What I save today may help you to borrow tomorrow'.

Find Us here:
  • Athenry Credit Union
  • Tel: (091) 844306
  • Fax: (091) 874118
  • Email:
  • Web:
Athenry Credit Union is regulated by the Central Bank of Ireland and our Reg Number is 71CU