Home Improvement

Home Improvement

Turn your house into your dream home with a flexible home improvement loan. Whether you're upgrading your kitchen, remodelling your bathroom, or making essential home repairs, we offer financing options with competitive interest rates. Our home renovation loans are designed to help homeowners complete their projects affordably and efficiently. Apply today and start renovating!

Loan Selection

Answer a few quick questions to be taken to the right loan.

Let us guide you

By answering a few questions, you'll help us check your eligibility and gain a better understanding of your needs. When you finish, we will redirect you to our recommended loan option.

Still have questions?

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

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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.

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

Photographic ID and Proof of Address may be required, if advised by staff.
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,
  • Chapter 4 form 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.
AIS (opening banking)

Speed up your application by signing up for opening banking.

This will authorise us to view your bank statements instantly.

No need to wait for bank statements from your bank.

This Document explains how the process works.

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.