Low Rate
8% Variable (8.29% APR*)
Easy Application
Start Your Application Online.
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No Waiting For New Members
Borrow Up to €5,000
Back On track loan
Back on Track
Limited Time Offfer
Get Your Finance Back on Track with One Repayment to Cover Your Bills!
Struggling to juggle multiple payments? Let us help you simplify your bills with our Back on Track Loan.
- Borrow up to €5,000 for a period of 12 months
- Variable Rate: 8% | APR: 8.29%
- One easy repayment to get ahead of your bills
Start Your Financial Journey with Claddagh Credit Union.
Applications close on 31st March 2025.
Contact us and see if we can help!
WARNING: If you do not meet the repayments on your loan your account will go into arrears. This may affect your credit report, which may limit your ability to access credit, a hire-purchase agreement, a consumer-hire agreement or a Buy Now Pay Later agreement in the future.
Warning: The cost of your monthly repayments may increase.
WARNING: Borrowing money costs money.
Terms & Conditions
1. The said loan will be used for the purpose as offered-
2. The maximum loan balance is €5,000.
3. Maximum loan term will be 1 years.
4. Separate Loan Type and separate payments required (i.e. BOT).
5. Only one loan of this type per member.
6. Account must not go into arrears, otherwise the loan will revert to the Standard Rate.
7. Board of Directors reserve the right to alter the Special Rate Loan interest rate at any time.
8. No Interest Rebate will be paid on this Special Rate Loan.
9. The Terms & Conditions on the Credit Agreement are also applicable.
*APR Annual Percentage Rate
Normal lending criteria, terms and conditions apply. Loans subject to approval.
Repayment terms from 1 year.
A loan of €2,000 over 1 year with 12 monthly instalments costs € 176.30 per month at a variable rate of 8% (Annual Percentage Rate (APR) 8.29%). Cost of credit is €115.60. The total amount you pay is €2,115.60 Variable rates may increase which would cause the cost of credit to increase.
Terms & Conditions Apply –Whilst every care has been made in the production of this information, it is for illustrative purposes only and to give you an overview of the potential cost of borrowing at Claddagh Credit Union. It does not constitute a loan offer.
The information provided on this Calculator is for information purposes only and does not constitute an offer of credit or any form of advice, recommendation or arrangement by the Credit Union. The calculation is based on the limited information provided by you, a credit decision will require further information and full underwriting.