St Canice's Kilkenny

By law credit unions cannot charge any more than 12.68% (APR) per annum (1% per month) on the reducing balance of a loan. Currently St. Canice’s Kilkenny Credit Union rates range from 6.4% (6.6% APR) to 9.9% (10.4% APR). Also, there are no fees or transaction charges.  Why not view our loan calculator and see how reasonable a credit union loan can be. Since the interest is charged only on the outstanding balance of the loan, you will pay even less interest if you repay your loan in a shorter time than planned.

What can I borrow for?

St. Canice’s Credit Union offers loans for different purposes, promptly and in the strictest confidence.  See below;

Multi Purpose Loan - 9.9% (APR 10.4% variable) – Whether you need a loan for a holiday, home improvements, bridging finance or a new boat or to consolidate existing debts, talk to us first.  We have a loan to suit every need.

Vehicle Loan - 8.2% (APR 8.5% variable) - This rate applies to commercial and non commercial vehicles.

Further Education Loan - 6.4% (APR 6.6% variable) – This is a flexible, low cost loan available to parents and student members.  Education loans are designed to provide finance to meet the cost of third level or further education.
 
Green Loan - 8.2% (APR at 8.5% variable) – Green loans are available to members who are making improvements to their homes to improve energy efficiency e.g. insulation, double glazing or draught proofing. 

Small Business Support Loan - 6.4% (APR 6.6%) – St. Canice’s Credit Union in partnership with the Kilkenny Enterprise Board has launched a Small Business Support Loan Scheme to support small businesses locally.

Secured Loans – 6.4% (APR 6.6%)

Large Home Improvement/Mortgage Redemption Loan - 8.2% (APR 8.5% variable)

(Terms & conditions apply to all credit union loans)