Cultivate is an initiative of a group of Credit Unions that provides short to medium-term loan opportunities built specifically around the growing needs of our farming members.

Cultivate Farm loans require standard underwriting documents, including a Form 11, fact find, and farm payments account.

Estimate your loan repayments

Loan Calculator

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APR 11.00%

APR 11.00%

Repayment Summary*:

Weekly

Total

Interest

Fortnightly

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Interest

Monthly

Total

Interest

∗Terms & Conditions Apply. All figures given on this website are for your general information only, and give a rough guide to loan repayments. Any statements on this website do not purport to be authorative or legally binding. You are advised to check with our offices for up-to-date rates and offers.

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Loan Enquiry

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What We Require From You
1

Outgoings

  • 3 months bank statements (most recent)
  • Mortgage statement (if applicable)
  • Fact Find
2

Proof of Income

  • Farm Payments
  • Employed - 3 most recent payslips
  • Self employed - Most recent set of accounts and most recent set of tax returns/Form 11 OR notice of self assessment
  • Social Welfare - 3 recent payment receipts
  • Retired – Proof of all pensions
3

Identification

  • Photo ID – Driving License/Passport
  • Proof of Address – Utility Bill, Bank Statement (dated within the last 6 months)
  • Evidence of PPSN – Medical Card, Payslip, P60
Lending criteria

Loan Term

  • The maximum term available for all Cultivate Agri loans is 7 years.

Ability to Repay

  • It is our responsibility to all members to ensure that we only lend members’ money to other members when it has been established that there is an ability to repay the loan. A borrower must be able to afford the loan repayments, including interest, over the full duration of a loan.

Free Loan Protection Insurance*

  • *Provided by the Credit Union to Eligible Members.
How to apply

Apply

If you are an existing registered member, you can make a full application online via our CU Online+ service or Ballina Credit Union app. If you are not a member you can join us today.

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Please note: Terms and Conditions apply. Loans are subject to approval. Ballina Credit Union is regulated by the Central Bank of Ireland. If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.

If you would like more information on applying for a loan with Ballina Credit Union please contact us today.

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