Christmas Loan
If you’re looking for a little extra support this festive season, a Christmas Loan from Cairde Credit Union is the perfect option for you. Designed to make the holidays easier, this loan offers a fair, affordable way to manage seasonal costs — without the stress.
With a rate of 9.99% (10.46% APR), our Christmas Loan gives you flexibility, peace of mind, and a quick approval process. And just like all our lending, decisions are made locally within our common bond, by people who understand and care about our community.
You can apply online today, or visit any of our five offices — Dungarvan, Tallow, Lismore, Cappoquin, or Kilmacthomas — to speak with one of our Loan Officers.
Borrow small or large — whatever you need
Flexible repayment terms
Free Loan Protection Insurance
No hidden costs or administration fees
Pay off your loan early, make lump-sum payments, or increase your repayments anytime — all with no penalties.
Interest rate of 9.99% (10.46% APR)
Loan Calculator
Apply for a loan today with interest rates that suit you!
Max. Loan Term :
10.46%
10.46%
10.46%
This calculator is for illustrative purposes only, to give you, the borrower, an overview of the potential cost of borrowing. The Credit Union, or any of its staff, cannot be held responsible for any errors. Please note that this calculator only provides an indicative quote and actual repayments may vary.
Representative Example - Covered Loan
Loan amount
€1,000
Interest rate - APR
6.17%
Loan term
12 months
Total interest
€30.69
Weekly repayment
€19.83
Total cost of credit
€1,030.69
Representative Example - Standard Loan
Loan amount
€1,000
Interest rate - APR
9.99%
Loan term
12 months
Total interest
€51.47
Weekly repayment
€20.23
Total cost of credit
€1051.47
Requirements
What do I need to apply?
- 3 Payslips for Employees
- 2 Years Accounts for Self Employed
- 3 Receipts for Social Welfare recipients
- Mortgage Statement if applicable
- Bank Statements - 3 months recent Statements
- Credit Card Statements
- Proof of Income for Guarantor - where applicable
