A Share Guaranteed loan is available to members who wish to borrow up to the value of their savings whilst leaving those savings intact, thereby availing of the benefits of both the free life savings insurance and loan protection insurance.

You can use our loan calculator below to find your ideal payment plan and loan term.

Estimate your loan repayments

Loan Calculator

Select Loan Purpose:
I'd like to borrow:
Loan term (years):
Loan term (months):
Loan term (years):
Loan term (months):
Loan term (years):
Loan term (months):
Loan term (years):
Loan term (months):
Loan term (years):
Loan term (months):
Loan term (years):
Loan term (months):
Loan term (years):
Loan term (months):
Loan term (years):
Loan term (months):
Loan term (years):
Loan term (months):
Loan term (years):
Loan term (months):
Loan term (years):
Loan term (months):
Loan term (years):
Loan term (months):
Loan term (years):
Loan term (months):
Loan term (years):
Loan term (months):
Loan term (years):
Loan term (months):

APR 11.00%

APR 11.00%

Repayment Summary*:

Weekly

Total

Interest

Fortnightly

Total

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.

Apply Now

Loan Enquiry

Your loan details have been captured and will be submitted with your enquiry.

I consent to submitting my information in agreement with the terms and conditions of the Privacy Statement on this website.
What We Require From You
1

Membership

  • You must be a member of Ballina Credit Union
2

Pledges

  • Loan amount applied for must be less than or equal to the number of Shares in your account
3

Identification

  • Active Account Members – Photo ID is required (Driving License/Passport)
  • Dormant Accounts – 1) Photo ID + 2) Proof of Address (dated with within 6 months) +
  • Dormant Accounts – 3) Evidence of PPSN (Medical Card, Payslip, P60)
Lending criteria

Loan Term

  • The maximum term available for a Share Guaranteed loan is 5 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.

Apply Become a Member
Online Banking Log In Register

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.

Contact Us
Top