Looking for New Wheels?

Whether it’s your first car or time to upgrade, you probably have your ideal vehicle in mind. But what about financing? Choosing the right car loan can be a tough decision.

You might consider PCP (Personal Contract Plan) financing—it has its benefits, but keep in mind that you won’t fully own the car until the final payment is made.

A bank loan is another option, but what interest rate will you get? Plus, banks may charge penalties if you want to pay off your loan early. Or, you could explore a car loan with Mitchelstown Credit Union, designed to offer real value for money. You can even apply before you start shopping for your dream car.

With financing in place, you’ll have the power to negotiate as a cash buyer when you head to the dealership.

Car Loan Features

  • Available for the purchase of vehicles such as cars, vans, camper vans, motorbikes, and more.

  • Maximum loan term of 7 years.

  • Free Loan Protection Insurance (terms and conditions apply).

  • No penalty for early repayment.

  • Flexible lending terms to suit your needs.

  • Quick decisions on applications, with most approved within 24 hours once all required information is received.

Loan Application Process

1. Become a Member

Once you are living or working within our common bond you are eligible to join us today and start borrowing.

2. Calculate Your Loan

Estimate how much you could borrow and calculate your repayments: weekly, fortnightly or monthly using our calculator.

3. Apply For Loan

Apply for your loan from the comfort of your home or in one of our 3 branches. Applying for a loan is easy and quick.

4. Sit Back and Relax

We aim to provide fast decisions on loan applications, with most being processed and approved within 24 hours.

Car Loan Over €10k – 9.95% variable (10.42% typical APR)

Loan Amount Interest Rate Loan Term Total Interest Weekly Repayment Total Cost

€15,000

9.95% variable

5 Years

€4,053

€73.28

€19,053

Car Loan Under €10k – 12% variable (12.68% typical APR)

Loan Amount Interest Rate Loan Term Total Interest Weekly Repayment Total Cost

€5,000

12% variable

3 Years

€959.59

€38.20

€5,959