We offer loans from as little as 6.4% variable (6.6% APR) which makes us one of the most competitive in the market.
We approve 96% of all loan applications
Yes, you read correctly. We approve 96% of all loan applications we receive. So it’s highly likely we will say yes to your request and money will be in your account quickly.
We offer flexible term and repayment options.
It’s part of our can-do attitude. We will do whatever we can to accommodate your needs and circumstances.
We will give you a quick decision.
We’re quick at making decisions so you won’t be left waiting for an answer. You can expect a loan decision within 24 hours for most straightforward applications.
We make it easy to apply for a loan.
We make it easy to apply for a loan. You can call us, email us or visit us to arrange a private consultation with one of our qualified loans officers. You can also start the application process online by filling out the loan enquiry form.
We provide free loan protection insurance to eligible members.
It means that, in the unlikely event of your passing during the term of your loan, your dependents won’t have to pay the outstanding balance.
We don’t charge any transaction fees.
With us, there are no administration charges or arrangement fees, no hidden extras or nasty surprises. What you see is what you get.
We don’t penalise you for early repayment.
If you want to pay off your loan early, we won’t stand in your way. You can clear your loan whenever you want, at no extra cost.
We calculate interest on the reducing balance method.
It means you pay less interest with each repayment which can make a big difference over the lifetime of a loan.
We offer loan products for every need
We’re not just here for cars and home improvements. We look at things differently: for education, medical, business, community and sporting requirements in the community.
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.
Did Someone Say Holidays?
Go for it with a SmartOption Holiday Loan from St. Canice’s Credit Union
Explore what the world has to offer and make lasting memories with a SmartOption Holiday Loan. Wherever you decide to go, be sure to consider the benefits of paying for your trip with a SmartOption Holidat Loan from St. Canice’s Credit Union.
