10 Year Fixed Personal Loan


Great value loans

Interest calculated on reducing loan balance


Over €46 million

Borrowed by members last year



Loan approval rate


Simple loan process

Quick turnaround on standard loans

10-Year Fixed Loan Suited To You

A flexible 10-Year Personal Loan from Croí Laighean Credit Union offers a little flexibility in your finances while still maintaining some certainty. Whether it’s a bucket list purchase, that trip of your dreams, converting your garage, or adapting your home, we want to help you make the most of it.

That’s why we offer a 10-year fixed personal loan on amounts from €40,000 up to €100,000. Apply today or work out an affordable repayment plan with our handy 10-Year Loan Calculator. We also offer 5-year and 7-year fixed-term personal loans.

Why choose a 10 Year Fixed Personal Loan

  • No set-up fees or hidden charges
  • Affordable loans tailored to your repayment ability
  • Free Loan Protection Insurance (T&C apply)
  • Interest calculated only on the outstanding balance of the loan
  • Fair and transparent lending process

infoApply for a Personal Loan Today! Not a member? You can join & apply at the same time.

Loan calculator

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APR means Annual Percentage Rate. The repayment amount quoted in the personal loan calculator above is for illustrative purposes only, and to provide you with an overview of the potential cost of borrowing. Restrictions may apply.

Warning: If you do not meet the repayments on your personal loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future. If you are experiencing difficulty repaying your loan, or believe you may in the future, please click here.


Why choose a fixed-term personal loan?

You can budget and plan your finances more easily with a fixed-term loan because the interest rate and monthly payment amount are set for the entire term of the loan.

Predictability: The fixed interest rate and monthly payment amount can give you peace of mind and help you budget your finances.

Stability: Fixed-term loans can provide financial stability, especially during times of economic uncertainty such as rising interest rates.

10-Year Fixed Personal Loan Repayment Example

A loan of €50,000 over 10 years would cost €606.83pm at a fixed rate of 8% (APR 8.30%). The cost of credit is €22,807.18 and the total amount repayable is €72,807.18.

While every care has been taken in the production of this web page, the Credit Union, or any of its staff, cannot be held responsible for any omissions, errors, or other mistakes on the site. The loan calculator is for illustrative purposes only, and to give you, the borrower, an overview of the potential cost of borrowing.

Loan amounts and 99% approval rate are based on figures from 2020. Rates are correct as of 1/02/2022 and are subject to change. Croí Laighean Credit Union is regulated by the Central Bank of Ireland.

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