Credit Union Car Loan

Great value car loans

Interest calculated on reducing loan balance

Over €46 million

Borrowed by members last year


Loan approval rate

Simple loan process

Quick turnaround on car loans

Car Loan In Kildare & Offaly

Our Credit Union Car Loan provides competitive interest rates and flexible repayment terms, making it the perfect option for financing your next car.

In the last year, we’ve helped our members buy cars by lending over €14.9 million in car loans. We understand that buying a car is a big decision, and we’re here to help you make it as easy as possible.

Use our handy Car Loan Calculator below to estimate your monthly payments. Just enter the amount you require, and the repayment term, then adjust to suit your repayment ability. We’ll work with you to find a car loan that fits your budget and your needs.

Why choose a Credit Union Car Loan

  • Get pre-approval and shop for your car like a cash buyer
  • Buy new or second hand – own your car from day one
  • Competitive car loan interest rates
  • Borrow any amount up to €100,000
  • Free Loan Protection Insurance (T&C apply)
  • Interest calculated only on the outstanding balance of the loan
  • No penalties or fees for early repayment

infoApply for a car 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 our Credit Union 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 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 Credit Union Car Loan?


Whether you’re dreaming of an upgrade, a hybrid, an electric car, or your very first car – talk to Croí Laighean Credit Union about our fair and flexible car loans. Our Car Loans come with free loan protection insurance and we won’t penalise you for early repayment.

You can get pre-approved for finance and then shop around to find the car of your dreams like a cash buyer (and this should get you a better deal too!). 

At Croí Laigean Credit Union, all loan applications are individually assessed by our experienced lending team, and decisions are based on your repayment ability, not what the computer says. You will always get a fair and transparent decision with Croí Laighean Credit Union.

The great news is that you can join today and borrow today with our new combined application form; this allows you to apply for a loan and membership at the same time, leaving more time to find your dream car.

Our loan rates are very competitive with a standard car loan rate of just 7.76% APR. But, if you’re looking to buy a new car, check out our PCP buster which allows you to tailor your loan to suit your repayment ability at one of Ireland’s lowest car loan rates of just 5.5% (5.64% APR). Find out more >

Repayment Example:

A loan of €25,000 over 5 year period would cost €500.95pm at a variable rate of 7.5% (APR 7.76%). The cost of credit is €5,050.96 and the total amount repayable is €30,050.96. Variable rates may increase which would cause the cost of credit to increase.

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 car 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.


Frequently Asked Questions


How much can I borrow with a car loan?

Loans for cars can be tricky, but not with us. With us, you can borrow up to €100,000 with repayment terms of up to 10 years. Our car loans calculator will tell you exactly how much you will have to pay back. We also offer a PCP Buster new car loan with a low rate of 5.5% (5.64% APR) for loans over €25,000.

How competitive are your car loan rates in Ireland?

We’ve made car financing easy and affordable. We offer highly competitive car loan rates, so competitive that we are a top choice for car loans in Ireland. Use our loan calculator and see how much you will have to pay back.

What is Free Loan Protection Insurance?

Free Loan Protection Insurance means your loans are insured at no direct cost to you. Should a member with an outstanding loan balance die, the balance is repaid in full, subject to terms and conditions. Potential loan protection for members aged 70 years or younger, is up to €100,000, and up to €40,000 for members aged between 70-85 years. Terms and conditions apply.

Can I get approval and then shop around?

Absolutely! With our Credit Union car loan, you can get pre-approval and shop around like a cash buyer.

Can I borrow to pay off a PCP balloon payment?

Yes, you can apply for a car loan to pay off the balance of your PCP contract (also known as the GMFV payment or balloon payment). If you’re in the market for a new car and are considering PCP Finance, check out our PCP Buster New Car Loan which offers a market-leading rate of 5.5%.

Can I repay early?

Of course, we don’t charge penalties or fees for the early repayment of your car loan.

Can I get car insurance through Croí Laighean Credit Union?

Yes, we work with Peopl insurance who offer fantastic quotes that are underwritten by some of the largest global insurers. Click here to get a quote >

Apply for a Credit Union Car Loan Today

Use our car loan calculator to suit your repayment ability

A member of our team will contact you

Need some help or advice?

Our member services are on hand to help in any way we can.