Loans - Link Credit Union Ltd

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Loan calculator
Loan calculator

Loans

Why borrow from us

Whether it’s buying a new car, financing your education or renovating that lovely home, we can help you on your financial journey.
You can apply for a loan on our standard rate or make your shares work for you by applying for a savings secured loan (borrow up to the amount in your savings at our lowest rate available of 6.9% Variable [7.14%APR]).

You can apply online by clicking the button below.

  • Apply for your loan in minutes through our online portal, digitally sign and drawdown with no requirement to come into the office.
  • Affordable loans at your fingertips.
  • Online loan application.
  • Online access to your accounts 24/7.
  • Flexible terms options with no penalty for early repayment.

Please note: All loans are subject to approval. T&C applies. if you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.

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Loan calculator

Want to know how much your repayments would be? Use our loan calculator below.

Loan Type

Select a loan from the drop below.

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Increment Amount
Decrement Term Increment Term

Weekly repayments

Fortnightly repayments

Monthly repayments

Whilst every care has been made in the production of this information, it is for illustrative purposes only, so as to give you an overview of the potential cost of borrowing. It does not constitute a loan offer. Link Credit Union Ltd., or any of its staff, cannot be held responsible for any omissions, errors or other mistakes made.

How do I apply?

To apply for a Loan, please choose one of the three tabs listed below to get
further information on the process.

Gather your Documents 1

Gather your Documents

As part of the application process, you will be required to provide the following documents.

  • Photographic Proof of Identity i
    Current Drivers licence or Passport. Public Services card cannot be accepted.
  • Proof of Address i
    A utility bill or bank statement dated within the last 6 months.
  • Proof of PPS Number i
    Can be found on a payslip, medical card, E111 card – we cannot accept the Public Services Card.
  • Proof of income i
    2 recent wage/social welfare slips.
  • Bank Statements i
    3 months Bank Statements to run back to back and finish within the last 3 months. Bank Statements are required if this is your 1st loan or total loan balance exceeds €10,000.
Apply Online 2

Apply Online

You can apply for a loan through our online banking portal or CuMobile app. Simply login, apply for your loan, upload the relevant documents with our secure facility and on approval digitally sign and drawdown the loan. There is no requirement to come into the office. Click on the button below.

Loan Approved 3

Loan Approved

A member of our lending team will contact you to discuss your application. Loan decisions are normally made within 2 working days.

Gather your Documents 1

Gather your Documents

As part of the application process, you will be required to provide the following documents.

  • Photographic Proof of Identity i
    Current Drivers licence or Passport. Public Services card cannot be accepted.
  • Proof of Address i
    A utility bill or bank statement dated within the last 6 months.
  • Proof of PPS Number i
    Can be found on a payslip, medical card, E111 card – we cannot accept the Public Services Card.
  • Proof of income i
    2 recent wage/social welfare slips.
  • Bank Statements i
    3 months Bank Statements to run back to back and finish within the last 3 months. Bank Statements are required if this is your 1st loan or total loan balance exceeds €10,000.
Apply through email or in the office 2

Apply through email or in the office

Download the loan application form from our website and email it back to our lending department with the required documents. Email to lending@linkcu.ie

Alternatively, you can call into any of our offices, pick up a loan application form which you can complete at home and pop it into our dedicated loans drop box.

Loan Approved 3

Loan Approved

A member of our lending team will contact you to discuss your application. Loan decisions are normally made within 2 working days.

Join Us 1

Join Us

You will need to become a member of Link Credit Union to apply for a loan. You can do so by clicking on the link below.

Choose a loan that suits you
Cultivate Farm Finance

Cultivate Farm Finance From 6.55% Variable (6.75% APR)

A Loan for Farmers by people who understand Farming.

Car Loan

Car Loan From 10.5% Variable (11.06% APR)

Want to own the car you drive? We have a car loan for you that is easy, flexible and waiting for you.

Home Improvement Loan

Home Improvement Loan From 10.5% Variable (11.06% APR)

New kitchen, attic conversion, garden of your dreams? Make the changes you want today.

Welcome Loan

Welcome Loan From 7.9% Variable (8.23% APR)

This loan is for a 1st time borrower or a member that has no loan balance within the past 3 years.

Savings Secured Loan

Savings Secured Loan From 6.9% Variable ( 7.14% APR)

Borrow up to the amount you have in your savings at our lowest rate available.

Personal Loan

Personal Loan From 10.5% Variable (11.06% APR)

Life is a journey to be experienced, embrace it!

Holiday Loan

Holiday Loan From 10.5% Variable (11.06% APR)

From staycations to vacations, Link Credit Union has a holiday loan that suits your needs.

Farm/Business/SME Loan

Farm/Business/SME Loan From 10.5% Variable (11.06% APR

Link Credit Union have a loan to help you grow your business to the best of its ability.

Student Loan

Student Loan From 7.9% Variable (8.23% APR)

A loan to cover educational expenses from college fees, books to a new study hub at home.

Frequently asked questions

How long will it take to process my loan?

Loan decisions are normally made within 2 working days once all documentation has been submitted.

How long do I have to be a member before I can apply for a loan?

You can become a member and apply for a loan on the same day.

Can I repay my loan early?

Yes, you can repay your loan early at anytime without any penalty. You can also pay lump sums off your loan to reduce your term and the amount of interest you pay.

Can I get another loan if I already have an existing one?

Yes, you can request a top up on your loan. You will need to fill in another loan application to start this process and provide the required documentation.

Please note your loan rate may change depending on the rates available at the time of application.

How much will my repayments be?

You can access our loan calculator here. Enter the amount and term and it will calculate your repayments.

When do the Credit Committee meet?

The majority of Loans are assessed by our Central Lending Unit on a daily basis in order to provide a more efficient service for our members.

Contact us today

Alternatively, if you have a query and wish to speak to one of our dedicated loans team you can get in touch with us by clicking on the options below.