One 4 One Loan

Great value loans

Interest calculated on reducing loan balance

Over €46 million

Borrowed by members last year

Low Rate

Low rate of just 6.95% APR

Simple loan process

Quick turnaround on standard loans

One 4 One loan

Our One 4 One Loan is the ideal alternative to racking up credit card debt or paying for expensive overdraft facilities. The One 4 One loan allows you to borrow up to €1,000 for up to 1 year, so it’s perfect for back to school, Christmas, holidays, celebrations, DIY, or just to pay an unexpected cost.

This low-cost small loan comes with a very competitive rate of just 6.73% (6.95% APR). When compared to the average Credit Card rate, which is generally in excess of 20%, and the interest rate on overdrafts which can range from 11% to about 15%, our One 4 One loan offers exceptional value.

Why choose a One 4 One Loan?

  • Low interest rate of just 6.73% (6.95% APR)
  • No set-up fees or hidden charges
  • Borrow up to €1,000 for up to 1 year
  • Free loan protection insurance (T&C apply)
  • Interest calculated only on the outstanding balance of the loan
  • No early repayment penalties

infoTo apply, you must be a member of Croí Laighean Credit Union

Loan calculator

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APR means Annual Percentage Rate. The repayment amount quoted is for illustrative purposes only, 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.


Repayment Example:

A One 4 One loan of €1,000 to be paid over 12 months with 12 monthly installments, will cost €86 per month at a variable rate of 6.73% (APR 6.95%).

The total amount you pay will be €1,037. The cost of credit is €37. Variable rates may increase, which would cause the cost of credit to increase.

While every care has been taken in producing 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 17/08/2023 and are subject to change. Croí Laighean Credit Union is regulated by the Central Bank of Ireland.

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