7 Year Fixed 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

A 7-Year Fixed Loan Suited To You!

A 7-year Fixed Loan from Croí Laighean Credit Union is ideal for those times when life is unpredictable and expensive! Whether you’re looking at doing some home improvements, consolidating your debt, or planning a big celebration – we want to help you achieve your goals. That’s why we offer a 7-year fixed loan on amounts over €30,000 and up to €100,000.

Apply today or work out an affordable repayment plan with our handy Loan Calculator below. We also offer 5-year and 10-year fixed-term loans.

Why choose a 7-Year Fixed 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 7-year Fixed 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 loan calculator 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 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.


What is a fixed-term loan?

A fixed-term loan is a loan where the interest rate and monthly payment amount are fixed for the entire term of the loan, so you know exactly how much you will need to pay each month. This can be helpful for budgeting and planning your finances.

Why choose a fixed-term 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.

Create your perfect 7-year repayment plan with our Loan Calculator.

Repayment Example

A 7 Year Fixed Loan of €35,000 over 7 years would cost €528.37pm at a fixed rate of 7% (APR 7.23%). The cost of credit is €9,379.70 and the total amount repayable is €44,379.70.

While every care has been made 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. This calculator is for illustrative purposes only, to give you, the borrower, an overview of the potential cost of borrowing.

Loan amounts and 99% approval rate is 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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