Kiltimagh Credit Union
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Mobile App

Our new Mobile App is now available
on both iOS and Android.
WHAT IS SO DIFFERENT ABOUT A
CREDIT UNION LOAN?

Before taking out a loan of any kind, it’s worth taking the time to understand how lending works.
That way you can compare the benefits and be aware of the risks. 
Here are some of things that make a credit union loan different:

Hidden Fees

Hidden Fees

There are no hidden fees or transaction charges.
Interest Rates

Interest Rates

Credit union interest rates are fair and reasonable and capped by law.
Repayments

Repayments

Repayments are calculated on your reducing balance, so you pay less interest with each repayment
Loans

Loans

Once you are eligible for a credit union loan, repayment terms can be designed around your needs.
Insured

Insured

Your credit union loan is insured – subject to terms and conditions – at no direct cost to you. Other lenders charge for this.
No Penalties

No Penalties

You can pay off your loan early, make additional lump sum repayments or increase your regular repayments, without a penalty. Other lenders may charge you extra for paying them back faster!
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