Here at CANA Credit Union, we offer the same interest rate at 5.9% (6.1% APR) for each of our standard loans. We lend for a wide range of purposes such as home improvements, cars, education, holidays, consolidation of loans and much more!

For each of our standard loans, there is a required amount of your shares to be pledged against the loan. Our loans have no hidden fees or transaction charges and there are no penalties for early repayments.

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APR 11.00%

APR 11.00%

Repayment Summary*:

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∗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 You Need to Apply
1

Outgoings

  • 3 Months Bank Statements (most recent)
  • Credit Card Statement (if applicable)
  • Mortgage Statement (if applicable)
2

Proof of Income

  • Employed - 3 most recent pay slips
  • Self-employed - Last 3 months bank statements OR Notice of self-assessment
  • Social Welfare - 3 recent payment receipts
  • Retired - Proof of pension
  • Any other income - Please supply supporting documentation
3

Identification

  • Photo ID - Driver’s Licence/Passport
  • Proof of Address - Utility Bill/Bank Statement issued in the last 3 months
  • Proof of PPSN - Pay Slip, Employment Detail Summary (P60)
Loan Requirements

Maximum Term

  • The maximum loan term available is 10 years (5 years for a car loan, 2 years for holiday loan and 3 years for an education loan)

Ability to Repay

  • It is our responsibility to all members to ensure that our borrowers can afford their repayments for the duration of the loan. A borrower must be able to afford the loan repayments, including interest, over the full duration of a loan.

Loan Protection Insurance Free of Charge*

  • CANA Credit Union offers Loan Protection insurance, which repays outstanding loans upon the death or permanent disability of an eligible member, subject to certain limits, terms and conditions.* Contact us to find out more about the Loan Protection Insurance.
How to apply

How To Apply

Existing members can apply for a loan through the website and mobile app or alternatively in the office or by mailing us a loan application. We will then be in contact if we require further information from you.

Apply Online Loan Application Form

The Standard Loan from CANA Credit Union is available for a variety of loans including:

Home Improvement Loan:

Whether it’s a new kitchen, attic conversion, house extension, updated furniture, new floors or transforming your patio or garden, our Home Improvement Loan is available for all types of projects both big and small.

Car Loan:

Available for both new & used cars including petrol/diesel, hybrid or fully electric vehicles.

Education Loan:

You can borrow for expenses related to education costs such as covering course or tuition fees or purchasing equipment such as books, bus pass, laptops, etc.

Holiday Loan:

Our holiday loans cover all types of trips, big or small. Whether it’s a dream adventure around the globe, a luxury honeymoon, a city escape, a relaxing all-inclusive resort, or a cozy staycation right here in Ireland.

Consolidation Loan:

A consolidation loan can help you combine smaller high interest debts into one manageable payment, helping you save money and pay off the loan quicker.

Medical Expenses Loan:

Available for healthcare expenses —whether it’s for treatment, surgery, dental work, or other medical needs.

Christmas Loan:

Available for expenses related to the Christmas season.

Please note: 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. All Loans are subject to approval. *Terms & Conditions Apply. CANA Credit Union Limited is regulated by the Central Bank of Ireland

If you are a member of CANA Credit Union, you can click the button below to apply for a loan online

Apply Online
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