Secured Loan

House Hunting? Building An Extension? Check Out Our Secured Loan.
CAR LOAN

Own your car straight away - no balloon payments, no mileage restrictions!

Calculator is based on our current lending rates and is only intended as an indication of payments. Lending is subject to a credit assessment. Terms & Conditions Apply

CAR LOAN
Loan amount € 1,000 APR* = 8.25 %
  • Loan Amount € 1000
  • New Monthly Payment €---
  • Loan Term 1 Years
  • Total Repayments €---
  • Total Cost of Credit 1 Years

*APR = Annual Percentage Rate

HOME LOAN

Make your house the home you've always wanted, with our low cost Home Improvement loan over €10,000

Calculator is based on our current lending rates and is only intended as an indication of payments. Lending is subject to a credit assessment. Terms & Conditions Apply

HOME LOAN
Loan amount € 10,000 APR* = 8.25 %
  • Loan Amount € 10000
  • New Monthly Payment €---
  • Loan Term 1 Years
  • Total Repayments €---
  • Total Cost of Credit 1 Years

*APR = Annual Percentage Rate

PERSONAL LOAN

A loan for the things that matter most to you - now that's personal!

Calculator is based on our current lending rates and is only intended as an indication of payments. Lending is subject to a credit assessment. Terms & Conditions Apply

PERSONAL LOAN
Loan amount € 1,000 APR* = 9.5 %
  • Loan Amount € 1000
  • New Monthly Payment €---
  • Loan Term 1 Years
  • Total Repayments €---
  • Total Cost of Credit 1 Years

*APR = Annual Percentage Rate

Limited Time Lower Rate 5.91% APR 24th Nov - 28th Feb
SWITCHER LOAN

Move multiple loans to us for one more manageable monthly payment

Calculator is based on our current lending rates and is only intended as an indication of payments. Lending is subject to a credit assessment. Terms & Conditions Apply

SWITCHER LOAN
Limited Time Lower Rate 5.91% APR 24th Nov - 28th Feb
Loan amount € 1,000 APR* = 5.91 %
  • Loan Amount € 1000
  • New Monthly Payment €---
  • Loan Term 1 Years
  • Total Repayments €---
  • Total Cost of Credit 1 Years

*APR = Annual Percentage Rate

SECURED LOAN

Up to 60% loan to value, with payment term up to 20 years

Calculator is based on our current lending rates and is only intended as an indication of payments. Lending is subject to a credit assessment. Terms & Conditions Apply

SECURED LOAN
Loan amount € 1,000 APR* = 5.75 %
  • Loan Amount € 1000
  • New Monthly Payment €---
  • Loan Term 1 Years
  • Total Repayments €---
  • Total Cost of Credit 1 Years

*APR = Annual Percentage Rate

STUDENT LOAN

Let us take the stress out of college with a low rate Student loan.

Calculator is based on our current lending rates and is only intended as an indication of payments. Lending is subject to a credit assessment. Terms & Conditions Apply

STUDENT LOAN
Loan amount € 1,000 APR* = 7.5 %
  • Loan Amount € 1000
  • New Monthly Payment €---
  • Loan Term 1 Years
  • Total Repayments €---
  • Total Cost of Credit 1 Years

*APR = Annual Percentage Rate

Contact information

Are You a Member of Naas Credit Union?


Nitty Gritty

Our Secured Loan is for members who need loans for property purchase or improvement, and can secure an appropriate asset against the loan. To balance the larger loan amount, our Secured Loan offers an extended payment term of up to 20 years. The rate of interest charged is currently 5.75% (APR 5.91 %)

  • Maximum loan to value is 60%
  • Maximum term 20 years
  • Security required – loan must be secured by first charge on property title deeds
  • Free loan protection insurance, subject to terms and conditions
  • 5.75% Current Variable Rate – Annual Percentage Rate (APR) 5.91%
No Penalty Early Payback

Unlike the banks, if you pay back your loan early we won’t charge you anything!

It’s Fast

We'll work with you to get you a quick decision.

No Hidden Fees or Charges

It's all transparent, there are no hidden charges or fees!

Term up to 20 Years.

Repay your loan over a maximum of 20 years.

Free Insurance

Free loan protection insurance. Peace of mind at no extra cost!

Flexibility

Increase/Decrease your payments with no penalty

Some Nice Examples

75000

Over 10 years

520 weekly payments of €190,
Total amount payable €98,568

90000

Over 15 years

780 weekly payments of €180,
Total amount payable €134,192

150000

Over 20 years

1040 weekly payments of €242,
Total amount payable €252,082

How To Apply

We try making it as easy as possible for you to apply. We don’t want you to stress or worry, so, you have a choice in how to apply for your loan. First of all, you need to be a member of the credit union. Join the club!

Online

Members are encouraged to sign up for our CU Online facility, which enables you to carry out a range of online banking services. It also allows members to apply for a loan online.

In Branch

You can come in to any of our branches at anytime to apply for a loan, there’s no need to make an appointment. One of our dedicated Lending team will talk you through the application in complete privacy in one of our lending offices.

Download Application

Simply download the application form, fill it in and send it back:
scan a copy together with the relevant paperwork to loans@naascu.ie or bring it in to any of our branches (no need for an appointment!)

Send it with the relevant paperwork to Lending Department, 20, North Main Street, Naas, Co. Kildare.

Over The Phone

Call our free phone number 1800 201 303 and we will talk to you through the process

What Do I Need To Apply

All our applications are treated confidentially and on their own merits. The key consideration is a member’s ability to repay the loan over a certain time frame. For all applications we will need your consent to do an Irish Credit Bureau check. The paperwork we require depends on your situation, so please read below to see what we will need for your application.

1

INCOME DETAILS

  • 3 recent receipts of any income you receive (this may include payslips, social welfare receipts, children’s allowance receipts, pension receipts).
  • If you are Self Employed we would look to see your most recent Form 11 Notice of Assessment and your most recent set of accounts.

2

FINANCIAL STATEMENTS

  • 3 months up to date bank statements, dated as close to the application date as possible, (your statements should show your income and any mortgage/rent or loan payments that you may have).
  • If you are Self Employed we would require 6 months up to date business bank statements in addition to statements for your personal account.

3

ADDITIONAL DOCUMENTATION

  • If you are married/cohabiting, we would also look to see income details and financial statements (listed above) for your spouse/partner.
  • A secured loan will require additional paperwork for example; first charge on property title deeds or other appropriate legal documents. We will let you know what paperwork is required upon application.