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Credit Union Loans

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

Why take out a Waterford Credit Union Loan?

  • 95% Loan Applications approved
  • Easy Application Process
  • Quick Loan Decision
  • No saving history required
  • Flexible Repayment Options
  • Free Loan Protection Insurance
  • No Transaction Fees
  • No Penalties for Early Repayment
  • Competitive Loan Rates
  • Online Banking & Mobile App
  • Potential Interest Rebate
  • Loan Repayment Protection -optional

Applying for your Credit Union loan

  • Apply Online
  • Phone: 051-861 616
  • Email: loans@waterfordcu.ie
  • In-branch at Parnell Street, Upper Grange or Tramore

Loan Application Process

Once you submit your loan application and supporting documents (i.e., payslips/proof of ID/ proof of address), your loan will be assessed by a member of our lending team as quickly as possible. You will receive a call to let you know when your loan is available to collect. At this point, you can schedule an appointment to collect your loan at a time and office that suits you. Loans can be collected from our Parnell Street, Upper Grange of Tramore offices.

Waterford Credit Union loan rate table.


Loan Repayment Protection Insurance (LRP)

Loan Repayment Protection (LRP) provides borrowers with affordable, inclusive & supportive repayment insurance in the event of an accident, sickness or involuntary unemployment.

Unemployment, sickness or an accident could seriously affect a borrowing member’s income. If members do not have sufficient savings to rely on to service their debts, LRP could be the much needed financial support they need to ensure their repayments are met.

Do I need LRP?

Without the cover of protection insurance members may face difficult circumstances if they are unable to work such as:

  • Relying on credit cards, family or friends to help you meet loan repayments.
  • Using up savings.
  • Your credit history could be damaged if you do not meet the repayments on your loan.

If you find yourself unable to work, loan repayment protection enables you to keep up with your loan repayments for 24 months in the case of accident and sickness and up to 12 months in the case of involuntary unemployment. The benefits are paid directly to Waterford CU so that your loan repayments are covered.

The cost of LRP is 7.99% of your loan repayment.

For more details or, if you would like to sign up or claim – please talk to a member of our lending team on 051-861 616

Do you want to find out more?

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