Looking to create your dream Home & Garden?

Dreaming about creating your own garden oasis or making extra space in your home to spend quality time with your family & friends once again. Whether it’s a garden revamp, home renovation or perhaps a home office – WCU can help you create your dream home & garden.

Whatever the season, if you’re thinking about a new kitchen, conservatory or garden shed, talk to us about a Home Improvement Loan. It’s easy to apply and costs nothing to talk.

Home Improvement or Home Renovation – what option do I choose?

Our home improvement loan is for any purpose related to your home or garden up to €18,000. Our special ‘Home Renovation Loan’ is specifically for people looking to refurbish or build onto their home. Choose Home Renovation Loan if you are applying for €18,000 or more.

Loan Repayments and interest rates

WCU offers flexible repayment options, you can choose to pay weekly, fortnightly or monthly. Want to clear your loan within 12 months or spread the payments out over 5 years to lower your repayment amount? Not a problem – pick a loan term that suits you.

Check out our loan calculator to see how much a home improvement loan will cost you.

Our Home Improvement Loan, up to €18,000 and a maximum term of 5 years has an interest rate of 10.46% APR. Our Home Renovation Loan is for loans in excess of €18,000 over a term of 5-10 years and has an interest rate of 8.28% APR.

Why Choose WCU?

Waterford Credit Union offers flexible loans of all sizes, you can re-pay your loan in full early or increase your payments at any time with no penalties.
Credit unions are not-for-profit and owned by our members, the people who save with us and borrow from us. All decisions are taken at local level, in the best interest of all our members.
All of our loans come with free loan protection insurance, this is designed to pay off a loan in the event of a borrower’s death – subject to terms, conditions and eligibility criteria.
From garden sheds, to a full kitchen revamp and everything in between, if you need a loan, we can help. Waterford Credit Union issued almost €20m in loans last year.

• Easy loan application process
• Quick Loan decision
• New members welcome to apply – join today, borrow today
• No saving history required
• Free Loan Protection Insurance
• No penalties for early repayments
• Flexible repayment options
• Competitive loan rates
• View payments/balances online
• Access to small and large loans

96% of loan applications approved!

How do I Apply?

Apply from the comfort of your own home by phone (051-861616), email (loans@waterfordcu.ie) or online. You can also call in to one of our three branches, fill in a loan application form and pop it in “The Purple Box“. More information about Waterford Credit Union, our opening hours and contact details can be found here.

What do I need?

You will be asked for some documents to support your loan application, the lending officer will go through this with you. For more information see our FAQ’s.

Not a Member? Not a Problem!

If you’re not already a member with With Waterford Credit Union, why not join online or in branch today? Find out more here.

Have an old account you haven’t used in a while? No problem, we are always happy to welcome back old members. To find out more about re-activating your account contact us today.

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Waterford Credit Union

Loans are subject to approval. Terms and conditions apply. 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. Waterford Credit union is regulated by the Central Bank of Ireland.