Ballincollig Credit Union Limited, Credit Union House, Harrington St., East End Ballincollig, Co. Cork

021 487 2305

Loans at BCU

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Loans at Ballincollig Credit Union Limited

The two most important things about a loan are, being able to borrow the money and being able to repay it. At Ballincollig Credit Union Limited we encourage you to manage your money carefully by structuring loans around your needs and your ability to repay. Establish a good savings record by saving regularly so as to build up security for your loan.


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  • There are no hidden fees or transaction charges
  • Our interest rates are fair and reasonable compared to others in the market
  • Repayments are calculated on your reducing balance, so you pay less interest with each repayment
  • Your credit union loan is insured - subject to terms and conditions - at no direct cost to you. Other lenders charge for this
  • You can pay off your loan early, make additional lump sum repayments or increase your regular repayments, without a penalty. Other lenders may charge you extra for paying them back faster!

Our loan rate of 9.98% APR means you can borrow at a reasonable rate of credit compared to other financial providers – compare us to other financial service providers and you will see that you get a great deal at Ballincollig Credit Union Ltd.

Based on borrowing €5,000 repaid monthly over 3 years:

Company Rate Type APR % Monthly Repayments Total Cost of Credit
Ballincollig Credit Union Variable 10.5% €161.40 €810.31
AIB Variable 13% €166.75 €1,003.04
Bank of Ireland Variable 12.8% €166.32 €987.63
Permanent TSB Variable 14.3% €169.53 €1,103.16
Ulster Bank Fixed 13.3% €167.39 €1,026.15
Provident Fixed 157.3% €435.25 €10,669.13

*Comparison fiqures courtesy of and 14/5/15

To begin, with you have to be a member of Ballincollig Credit Union Limited. For more information on becoming a member please click here. For members, please visit or call us and we can discuss your needs and give you an application form.

Loans are subject to approval. Terms & Conditions apply

* All figures given on this web site are for your general information only, and give a rough guide to loan repayments. Any statements on this web site do not purport to be authoritative or legally binding. You are advised to check with our offices for up-to-date rates and offers.

Types of loans available:
Amount you'd like to borrow (€)
Repayment term:
For how long (years):


Each repayment will be:
Your total repayment will be:
The total interest will be:

Whilst every care has been made in the production of this information, it is for illustrative purposes only and to give you an overview of the potential cost of borrowing at Ballincollig Credit Union. It does not constitute a loan offer. This document is for illustrative purposes only, so as to give you, the borrower, an overview of the potential cost of borrowing and does not constitute an offer of finance or repayments.

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