For bigger jobs at home, our Large Home Improvement Loans are here to help you.

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APR 11.00%

APR 11.00% variable

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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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What We Require From You
1

Proof of Income

  • Employed - 1 recent payslip and Employment Detail Summaries (formally P60) for the last 2 years
  • Employed - Salary Certificate form completed by your employer
  • Self-employed - your last two Chapter 4 Notice of Self-Assessments and your last two years Financial Accounts
  • Social Welfare – 1 recent payment receipt
  • Retired - Proof of all pensions
  • For dual-income households, you must open a joint credit union account first. Once opened, your partner will be sought as a joint applicant & both parties will have to supply the above documentation.
2

Outgoings

  • 3 months bank statements (most recent)
  • Quotes for proposed home improvements
  • Property Tax letter confirming ownership of property
3

Identification

  • Photo ID – Drivers Licence/Passport*
  • Proof of Address – Utility Bill, Bank Statement dated within the last 6 months
  • Proof of PPSN – Medical Card, Payslip, P60
  • *For non-UK or EU nationals we also require the members Irish Residence Permit. The loan term should fall in line with Irish Residence Permit Expiry.
Lending criteria

Maximum Limits

  • A total of €4 million will be made available by Letterkenny Credit Union Limited as part of this product promotion. Home improvement loan applications made after this net lending level has been reached will qualify for the standard home improvement loan rate.

Ability to Repay

  • It is our responsibility to all members to ensure that we only lend members’ money to other members when it has been established that there is an ability to repay the loan. A borrower must be able to afford the loan repayments, including interest, over the full duration of a loan.

Free Loan Protection Insurance*

  • *Provided by the Credit Union to Eligible Members.
How to apply

How To Apply

Existing registered members can make a full application online or on our mobile app. Alternatively, you can come into our office, we can discuss your needs and proceed with your loan application. If you are not a member you can join us online today.

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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.

If you would like more information on applying for a loan with Letterkenny Credit Union please contact us today.

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