Loans

Find the Perfect Loan for You

RTÉ Credit Union has excellent competitive loan rates for everything you need; a new car, holidays, home improvements, your children's education, family events, your big day, dental work and so much more!

Why choose Our Loan

When you borrow from the Credit Union, you will find many advantages in comparison to other financial institutions:

Competitive loan rates

24 hour turnaround*

High loan approval rate**

Free Loan Protection Insurance (T&C's apply)

No hidden fees or transaction charges

Flexible payment options, No penalties for early payment

*All correct documentation must be supplied on application in order to process in 24 hours.
**97% loan approval rate. Loans are subject to approval. Terms and conditions apply. RTÉ Credit Union is regulated by the Central Bank of Ireland.

Our Loans at a glance

Diamond Loan

Diamond Loan

To celebrate our 60th anniversary, we are offering our members a special Diamond Loan.

Diamond Loan
Personal Loan

Personal Loan

Available for all types of loans both big & small. Everything from car tax...

Learn More
Special Car Loan

Special Car Loan

Available for both new & used cars. If you are thinking of buying a new set of wheels or...

Learn More
Place Lift Loan

Place Lift Loan

Planning on home renovations? Whether it is a small DIY project or  a larger renovation...

Learn More
Welcome Loan

Welcome Loan

A special rate available to members that have not borrowed with us before.

Learn More
Loan Within Shares

Loan Within Shares

Borrow up to the amount of your savings (shares) in the Credit Union.

Learn More
Green Loan

Green Loan

Available for home improvements that affect the energy efficiency of your home.

Learn More
Switch & Save Loan

Switch & Save Loan

Want to get rid of mounting credit card debts and small loans? With our...

Learn More
Reboot Loan

Reboot Loan

A special 4.89% (5.00% APR) rate available for a set loan amount of €25,000...

Learn More
Educational Loan

Educational Loan

Members that are planning to pursue a degree or currently attending an academic course...

Learn More
Christmas Loan

Christmas Loan

Treat someone special this year with our Christmas Loan.

Learn More

Loan Calculator

Maximum Loan Amount :
Maximum Loan Term :


Term

Repayment Frequency
APR
6.17%
# Repayments
Total
APR
6.17%
# Repayments
Total
APR
6.17%
# Repayments
Total
APR
6.17%
# Repayments
Total

This calculator is for illustrative purposes only, to give you, the borrower, an overview of the potential cost of borrowing. The Credit Union, or any of its staff, cannot be held responsible for any errors. Please note that this calculator only provides an indicative quote and actual repayments may vary.

Additional Info

Loan Applications

RTÉ Credit Union will consider loan applications from members for many purposes. Each application is treated in the utmost confidence and will be considered on its own merits.

Managing Repayments

Should a member experience difficulties in meeting repayment commitments, they should contact the Credit Union Office immediately to discuss the matter.

Loan Policy and Requirements

As you know, member loan support is vital to Credit Unions. We are a not-for-profit, member-owned organisation, aiming to provide the widest range of services for our members. In order to comply with Central Bank expectations, we would require:

  • The application form must be fully completed in all areas.
  • Applications may require supporting documentation such as:
    • 3 Payslips (most recent)*
    • 3 Bank statements (last 3 months)*
    • 3 Credit Card statements (last 3 months)*

* Not applicable to Loan Within Shares

Life Protection on loans - which is free to members - is run under the guidance of the ILCU.

The Central Credit Register is a secure database of personal and credit information for loans of €500 or more. It has been set up under the Credit Reporting Act 2013 and will be operated by the Central Bank of Ireland.

Loan Approval in Principle

What is the Loan Approval in Principle

Our Loan Approval in Principle allows us to assess whether we could potentially lend you the amount you want to borrow.

When you are approved in principle, you must still submit all necessary documentation and have given full disclosure to receive a firm approval.

Click here to log in

How it Works

In order to use this facility, you need to do the following:

  • You must first log in to your online account
  • Select the Online Loan Application tab

It’s at that point when you’ll enter some information regarding your loan and then fill out your personal details. We will endeavour to be in touch with you as soon as possible regarding your application.

Not a Member?

Not a Member?

Joining the Credit Union is the best decision you could take for your money. Membership of RTÉ Credit Union is open to all RTÉ staff employed on a permanent, continuous, or long-term contract basis. Family members of RTÉ staff can join and that's family living in the same household. Staff of CEL, DDTN, Raidio na Gaeltachta, TG4, RTÉ Sports & Social Club and RTÉ Benevolent Society are also eligible to apply for membership.