Loans

We Have A Loan For You

Our loans have straightforward terms and conditions, do not carry any hidden fees or charges, and are offered with flexible repayment options. We also offer AIS (open banking) which can speed up your application process.

Explore our Loans

We have the right loan to suit you

Become a Member

Our Credit Union lets people in the community come together to save and borrow money at low rates, and is operated on a not-for-profit basis, with surpluses being used to strengthen the Credit Union and a portion being returned directly to members.

Still have questions?

Still have a question about our loans? See if it's answered here in our frequently asked questions.

What do I need when applying for a loan?

A fully completed loan application form to be accompanied by 3 months current bank statements and proof of income.

We also require Revolut statements if applicable.

You can email documents to loans@inishowencu.ie (pdf versions are preferred)

Photographic ID, Proof of Address and proof of PPS number may be required, if advised by staff.

Please note we cannot accept the Public Service Card as proof of PPS number.


All loans are subject to approval.

What do I need when applying for a loan if self-employed?

• A copy of 2 years recent accounts filed with the Revenue Commissioners,

• Tax letter issued by the Revenue Commissioners for the most recent tax year,

• Signed form 11 for the most recent tax year,

• Business and personal bank statements for the previous three months ending in the month prior to the loan application.

Do I need a guarantor?

In some cases a guarantor may be required. If you sign as a guarantor this means that you are agreeing to pay the borrower’s Credit Union debt if they default on the loan.

What happens if I repay my loan early?

There are no penalties for early loan repayments.