Whether you want to cover unexpected expenses, buy a new or used car, decorate your home or carry out large home renovations, we have the loan for you. Contact us to discuss your financial needs and we will do our best to come up with an affordable solution for you.

Members have the flexibility of repaying the loans quicker than planned, without any penalty.

A significant advantage of being a member of Ballina Credit Union is the complimentary insurance provided for eligible savings and loans. Members are entitled to Loan Protection benefits. This insurance will pay off the remaining loan balance at no expense to the borrower in the event of their passing.

Under the Credit Reporting Act 2013, credit unions and all other lenders must provide information to the Central Credit Register on all loan application and loan agreements of €500 and above. The information will be held on the Central Credit Register and may be used by other lenders when making decisions on any loan applications to them. The Central Credit Register is owned and operated by the Central Bank of Ireland. For more information view the CCR FAQs document in our Downloads section or visit www.centralcreditregister.ie

We understand that life is unpredictable and your circumstances might change during the term of your loan. We are committed to helping our members during these times. Being in arrears is always worrying but debt problems can be solved with some time and effort on both sides. So, if your loan is in arrears, or you are worried that you soon might be, talk to us before a small problem becomes a big problem.