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Loan Calculator

Loan Type

Loan Amount

Loan Term

Years ( months)

10.46% APR


Total Payment



Total Payment



Total Payment


Terms & Conditions Apply. All figures given on this website are for illustrative purposes only, and to give a rough guide on loan repayment calculations. Any statements on this website do not purport to be authoritative or legally binding. You are advised to check with our offices for up-to-date rates and offers

Switcher Loan

If you have an existing loan with another bank, credit union or lender, Waterford Credit Union’s switcher loan rates are available to both new and existing members looking to switch their personal loan or mortgage to a new provider.

By switching your loan to Waterford Credit Union you can avail of our competitive switcher loan rates. The more you borrow, the lower the rate.

Not a member? Sign up to Waterford Credit Union and switch your loan today. 

Loans up to €5,000: 9.99% (10.46% APR)

Loans €5,000 – €20,000: 8.99% (9.37% APR)

Loans €20,000 – €100,000: 7.99% (8.29% APR)

Check out our loan calculator to work out a rough estimate of your repayment or contact our lending team who will be more than happy to talk you through your repayment options. 

Note: Personal loan switcher rates also cover PCP balloon payments and Car Loan hire purchase, but do not include loans to clear credit card balances or an overdraft – such loans come under our Fusion loan rate.

Personal Loan

Is your bank leaving the market? Or, do you simply want to avail of a more competitive loan rate from a local lender which means – local decisions, quicker turn around times and be able to deal directly with your loan provider. If so, switch your loan to Waterford Credit Union today.

Make sure to get in touch with our lending team and make the switch today!

Secured Home Loan (Mortgage)

No matter what stage of the journey you are at, Waterford Credit Union have a mortgage to suit you. So, whether you’re…

  • A First-Time Buyer
  • Looking to Switch your mortgage to a local provider
  • A Home-Mover

…Waterford Credit Union are here to help.

For full details on our mortgage features and benefits, click here.  

Since 1st January 2019 the Central Bank has developed a list of guidelines which makes it easier for you to switch mortgage providers. These measures can be viewed here.

Current Account - Make The Switch

Waterford Credit Union offers easy and flexible ways to switch your current account provider. So, make the switch today & use Waterford Credit Union for all your banking needs.

We offer extremely competitive current account rates with one of the lowest monthly rates on the market and a globally accepted Mastercard®.

For more information on our fantastic features and benefits, click here.

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