One Year Loan | St Patricks Credit Union | People Helping People

The One Year Loan, with a reduced rate of 5.9% p.a. fixed for the duration of the loan, is available to all members for any purpose and would be ideal for members paying for a holiday or clearing a credit card balance.

Everyday loan



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  • The maximum term of the loan is 12 months.
  • The maximum loan amount a member can borrow is limited to €10,000 and there is no minimum amount.
  • Lump sum payments and early repayment are allowed without incurring a fee or penalty.
  • The One Year Loan will operate as a separate loan account for members who currently have a loan, and will have a separate repayment amount.

If you already have a Loan at 7.5% and a Green Loan at 5.5% this does not preclude you from taking out a One Year Loan – all loan applications are decided primarily on the member’s ability to make the relevant loan repayments.

Terms & Conditions

Free Loan Insurance.

Members can also avail of our free Loan Protection Insurance, which clears a member's loan balance in the event of death (assuming the member was in good health at the time of taking out the loan).


Representative Example

€1,500 loan repayable over 12 months

12 monthly payments of €129.03

Rate of interest 5.9% p.a. fixed

Representative 6.08% APR

Total Amount Payable is €1,548.37

One Year Loan Calculator

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98% of all Loan Applications were Approved!

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5 Great Reasons To Apply Today!

Quick decisions for most loans.

No penalties for early repayment.

Free Loan Insurance cover.

Flexibility to increase repayments and pay off the loan faster.

No hidden fees or charges.

Download Forms

Download Membership Application Forms

Find all the forms you need to apply to join St.Patrick's Credit Union. Click here to download forms

Loan Application Forms

Find all the forms you need to apply for any of our loans Click here to download forms

Useful Information

Each loan application will be treated with the utmost confidence and will be considered on its own merits. Read more useful information about your loan application.

Acceptable Forms of ID

Your loan application will require proof of identity and address. See a full list of the acceptable forms of ID.

Managing Your Repayments