DON’T BE AN APRIL FOOLS!
Our 5.5% (5.64%) low rate car loan is available now for one month ONLY. Applying is easy – apply online or call 063 98355.
Unlike other finance options such as hire purchase or personal contract plans (PCP), with a Kilmallock Credit Union car loan, you own your car from day one, there are no balloon payments or mileage restrictions. Promotional rate applies to loans over €10,000. Scroll to see what you need to apply.
MINIMISE YOUR CAR LOAN COSTS
5.5% (5.64% APR) loans from €10,000
JOIN & APPLY SAME DAY
You don’t have to be a member to apply for a loan with us!
Loan decisions are based on your ability to repay.
BETTER THAN PCP
Scroll down to find out why!
Our Loan Calculator
Use our Loan Calulator to see how affordable a loan with us really is.
WHY CHOOSE A CREDIT UNION CAR LOAN?
- Owned by you: you own your car from day 1
- No balloon payments: there are no lump sum end of loan payments
- No fees: no administration or transaction fees
- Local: All decisions are taken at a local level in the best interest of all members.
- Flexible: You can pay off your loan early, make additional lump sum repayments or increase your regular repayments, all without penalty.
- Loan protection: Loans are insured by the credit union’s own policy at no direct cost to its members. This is designed to pay off a loan in the event of a borrower’s death – subject to terms, conditions and eligibility criteria.
Our Loan Process. Easy and Simple.
98% Loan Approval Rate.
Already a member
– COMPLETE YOUR LOAN APPLICATION WITH OUR ONLINE BANKING
Not a member
– SEND A LOAN ENQUIRY
Apply By Phone
Call our office today and make an application. CALL 063 98355
Apply In Branch
Loan applications can be taken in any of our offices without an appointment. During the COVID-19 pandemic, we ask that you use our online or phone application options.
The following documentation is needed for your loan application.
- 3 most recent payslips or social welfare slips
- 3 most recent months bank statements
- Please note: Your bank statements should show your income and any mortgage / rent or other loan payments or credit card payments you may have.
- Proof of ID: Valid Drivers Licence or Passport
- Proof of Address: Bank statement or utility bill dated within last 6 months
- Proof of PPS: Payslip, Revenue or Medical Card. Public Service Card NOT acceptable
- We may have your information already on file
JOIN & APPLY SAME DAY
- Yes, you can Join and apply for a loan same day.
- Are you eligible to join us? If you live, work or are in education in our common bond you can join us. Our common bond covers the areas of Kilmallock, Charleville, Kilfinane, Athlacca, Ardpatrick, Ballyagran, Ballyhea, Ballyorgan, Broadford, Bruree, Bulgaden, Churchtown, Dromin, Dromina, Drumcollogher, Fedamore, Feenagh, Freemount, Garryspillane, Glanmore, Granagh, Hospital, Kilmeedy, Knocklong, Liscarroll, Manister, Meanus, Milford, Newtownshandrum and Tullylease.
- Click here to see our common bond map.
- No additional documentation is needed for your membership.
Why Borrow with Kilmallock Credit Union?
Stress free and easy lending.
Flexible loan schedule
We work with you to accommodate your needs and circumstances.
All applications are treated individually. We aim to provide the best customer service to our members.
No fees or charges
No hidden charges and no penalities for early repayment.
Loan decisions are based on your ability to repay
Speed and convenience
A decision on your loan application will be made quickly.
Free Loan Protection Insurance
Terms & Conditions for Promotional Car Loans
- The car loan promotional rate applies to loans over €10,000
- The maximum term time for a car loan is 5 years
- Additional information may be requested
WARNING: Terms & Conditions apply. Loans are subject to approval. 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. Kilmallock Credit Union Limited is regulated by the Central Bank of Ireland.