Apply for a Personal Loan Today
Planning your wedding? Dreaming of a holiday getaway? Need to clear that credit card bill?
Whatever your reason, we’ve got a personal loan option just for you. Experience the flexibility and affordability you need to cover your expenses with ease.
Apply for a Personal Loan Today!
Why choose an SCCU Personal Loan?
Benefits of our Personal Loans
- Our Personal 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 repayment 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
- Option to complete application and drawdown online
Do I need to have a 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 to come into a branch?
You don’t need to come into a branch at all for most personal loans. You can complete the application, sign your documents if approved and have the money paid to your chosen account, all digitally if you choose!
I am going on holiday, can I pay back the loan over a number of years?
Most holiday loans require a one year maximum repayment term as its an expense you may incur every year and you don’t want holiday debt to build up. However for a honeymoon or other once in a lifetime trips we can sometimes offer longer terms. Just submit your query and a member of the loans team can let you know your options.
I have a few different expenses and want one loan to cover them all?
We can facilitate this, if you let us know what you intend to do with the loan we can ensure the correct term and rate are applied.
Can I repay my loan early?
You can repay your loan in part or in full at any time with no additional fees, interest is charged on the reducing balance so you’ll only pay interest on the amount still owed. While it is a great idea to reduce debt as much as you can it’s important not to overstretch just to clear a loan if it causes issues for you in the longer term. If you have any questions about repayments please feel free to contact us any time.
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. Terms and Conditions and normal lending criteria apply.
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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.
