We are Lending

Thinking of Home Improvements, a Wedding, or a New Car?

Whatever your plans, you can make them a reality with a loan from Mitchelstown Credit Union.

Here’s what makes us stand out:

  • Ample Funds Available: We have plenty of funds to lend to our members, so you can count on us to support your goals.

  • Flexible and Fair Lending: Loans are granted based on your ability to repay, ensuring that repayments are manageable for you.

We welcome loan applications from all members, regardless of how long you’ve been with us. Each application is handled with the utmost confidentiality and evaluated on its own merits.

With interest rates starting from as low as 6% variable (6.25% APR), our loans are among the most competitive in the market.

For straightforward applications, you can expect a decision within 24 hours, giving you the confidence to move forward with your plans quickly.

Applying is easy: call us, email us, or visit one of our branches to arrange a private consultation with one of our qualified loan officers. You can also start your application online by filling out our loan enquiry form.

Car Loan

Whether you’re dreaming of an upgrade or your very first car – Mitchelstown Credit Union has you covered.

Home Improvement Loan

A home improvement loan can help add value to your home by paying for renovations, repairs or an extension.

Personal Loan

We offer two types of personal loans to suit your needs. Big or small, look no further than MCU to help you cover your costs.

Greenify Loan

Greenify is a green home energy upgrade loan brought to you by MCU aiming to finance your home energy upgrades.

Education Loan

An MCU Education loan can be used to cover any education expenses including your fees, laptop, books and more.

Secured Loan

A savings secured loan leaves your savings intact and allows you to borrow up to the amount you have in your savings.

Cultivate Farm Loan

Cultivate is an initiative of a group of Credit Unions that provides short to medium term finance for our farming members.

Switcher Loan

Our Switcher Loan allows you to bring your debt together into one repayment on a lower interest rate and make life more manageable.

Important Information

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

At Mitchelstown 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 Mitchelstown Credit Union.

Benefits of a MCU Loan

Transparency

There are no hidden fees or transaction charges.

Interest Rates

Our interest rates are fair and reasonable compared to others in the market.

Free Insurance

Your MCU loan is insured – subject to terms and conditions – at no direct cost to you. Other lenders charge for this.

Pay Loan Off Early

You can pay off your loan early, make additional lump sum repayments or increase your regular repayments, without a penalty. Other lenders may charge you extra for paying your loan back faster.

Flexible Repayments

Repayments can be tailored to suit your particular circumstances.

Easy Process

Easy application process and speedy decisions.