Home Improvement Loan
Considering a home upgrade like installing solar panels, new extension, attic conversion, or kitchen makeover? Our home improvement loans feature decreasing rates as your project expenses increase, ensuring your dream home is within reach.
Benefits of our Home Improvement Loan
- Our Home Improvement Loans offer no hidden fees, ensuring transparency
- Simple application process with everything explained clearly every step of the way
- We offer different rates of interest depending on how much you need to borrow
- Straightforward terms and regular repayments over an agreed term
- Flexibility to pay off your loan early without penalties
- Loan Protection Insurance at no extra cost
- Interest calculated on the reducing balance of your loan
Apply for a Home Improvement Loan Today!
Go Green with Ease
If you’re interested in choosing a more environmentally friendly option and are thinking about insulation, windows or heating upgrades, we’re here to help you every step of the way. Our interest rates vary depending on how much you need to borrow with larger loans attracting a lower rate of interest. You can also avail of our Greener Homes Loan Scheme if you are carrying out a retrofit on your home using a One Stop Shop Contractor.
Frequently Asked Questions
What are the different types of Home Improvement Loans?
Our standard Home Improvement Loan is for amounts up to €10,000, our large home improvement loan is for amounts between €10,000 and €20,000 and the Great Rate applies to loans in excess of €20,000. Use our loan calculator to see how these rates apply.
Do I need to have lot of savings before applying for my loan?
It’s always a good idea to save some funds before applying for a loan but in general we will ask you to have 10% of the value of the loan you are applying for saved in your shares. This will be pledged against the loan and these funds will be released to you once the loan is repaid.
Do I need quotes or invoices to support my application?
For larger applications you may be asked to supply proof of your costs either with quotations or invoices from your supplier or contractor.
Do I need quotes or invoices to support my application?
The term of the loan will depend on a number of factors including the amount borrowed. The maximum term of our Great Rate Home Improvement Loans is 10 years.
Loan Calculator
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Loan Summary
8.2% Interest (8.38% APR)
Every Week
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Every 2 Weeks
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Every Month
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8.2% Interest (8.38% APR)
Terms & Conditions Apply All Figures Given On This Website Are For Your General Information Only, And Give A Rough Guide To Loan Repayments So As To Give You, The Borrower, An Overview Of The Potential Cost Of Borrowing. Any Statements On This Website Do Not Purport To Be Authoritative Or Legally Binding. St. Canice’s Kilkenny Credit Union Ltd. Accepts No Responsibility For Any Omissions Or Errors Due To Changes In Rates Or Offers Which Have Occurred After This Date. You Are Advised To Check With Our Offices For Up-To-Date Rates And Offers. St. Canice’s Kilkenny Credit Union Ltd. Is Regulated By The Central Bank Of Ireland.
