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Loans Loans

Take Out a Loan

Comhar Linn INTO Credit Union offers a wide choice of borrowing facilities, at very competitive rates to cater for different life stages. We strive to ensure that our loans are of benefit and affordable to you. Free Loan Protection Insurance is also provided where terms and conditions are met. Take a look at the loans we currently offer.

Warning: Your Home may be at risk if you do not keep up repayments on any loan secured on it.

Our Loans At a Glance

Car Loan

Current variable interest rate of 6.75% A.P.R.

Personal Loan

Current Variable Interest Rate of 7.8% A.P.R.

College Fee Loan

Current Variable Interest Rate of 5.5% A.P.R.

  • Loans for Full or Part-Time Courses and Accommodation.
  • Confirmation of Fees required for loans over €3,000.00.
  • Guarantor required for loans taken in Student’s Name.
  • Yearly top-up facility.
  • No Fees and no Penalty if you repay early.
  • Lending Limits, Terms & Conditions Apply.
  • Calculate your repayments »
  • Ways to repay your loan »

Saver Loans

Current Variable Interest Rate of 4.9% A.P.R.

  • Minimum loan - €200.00
  • Shares are held as security and must be equal to or greater than the loan value for the term of the loan. Leave your savings intact and still fund your purchase.
  • Applies to new loans only.
  • No bank statements required.
  • No Fees and No Penalty if you repay early.
  • Calculate your repayments »
  • Ways to repay your loan »

PME (Professional Master Of Education) Loan

Current Variable Interest Rate of 5.5% A.P.R.

  • For College of Education Students studying for a Professional Master of Education(Primary Teaching).
  • Repayable over a ten year period.
  • Loan issued in annual instalments.
  • Confirmation of acceptance to course and suitable Guarantor required.
  • No Fees and no Penalty if you repay early.
  • Lending Limits, Terms & Conditions Apply.
  • Calculate your repayments »
  • Ways to repay your loan »

Home Improvement Loan

Current Variable Interest Rate of 6.5% A.P.R.

WARNING: If you do not meet the repayments on your credit agreement, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.

House Loan

Current Variable Interest Rate of 6.5% A.P.R.

  • A Loan facility for House Purchase or Renovation is available over a maximum period of fifteen years.
  • A House Loan means a loan made to a member secured by property for the purpose of enabling the member to: (a) have a house constructed on the property as their principal residence; (b) improve or renovate a house on the property that is already used as their principal residence, (c) buy a house that is already constructed on the property for use as their principal residence, or (d) refinance a loan previously provided for one of the purposes specified in (a), (b) or (c) for the same purpose.
  • Security will be by way of 1st Legal Charge on Property.
  • Loan to Value and Loan to Income Rates Apply.
  • No penalty if you repay early.
  • Lending Limits, Terms and Conditions Apply.
  • Calculate your repayments »
  • Ways to repay your loan »

Loan Underwriting

All loan applications are treated with the utmost confidentiality and are subject to underwriting criteria, to ensure the loan is affordable for you and to ensure that you do not become over-indebted. Up to date proof of ID and Address are required for all loan applications, along with a completed Loan Application, Credit Agreement, ICB Consent and Proof of Income. Depending on the amount and/or term of the loan or to ensure affordability additional paperwork may be required. This additional paperwork could include but is not limited to bank and credit card statements, mortgage statement, guarantor details, confirmation of fees, quotation for car, quotation for home improvements or a first charge. Should the application be on a joint or guarantor assessment basis, we require the consent to obtain and hold information from the second party. This form can be downloaded below. On receipt of a loan application, it is assigned to a Loan Officer, who will contact you should they require any further information or paperwork. They will also carry out a credit check on the Irish Credit Bureau. Once all paperwork is provided the Loan Officer will assess your application. We aim to assess all applications within (48 hours) 2 working days of receipt. If the loan is affordable for you it will be approved and issued as per your instructions. Please note that due to the amount and/or term, certain loans will require approval by the Credit Committee which will take longer.

Should the application be on a joint or guarantor assessment basis, we require the consent to obtain and hold information from the second party. This form can be downloaded below.

Warning: 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.

Warning: Your Home may be at risk if you do not keep up repayments on any loan secured on it.

Click to Download Download Consent for the Processing and Retention of Data (95.9kb)

Benefits of Borrowing

  • Interest is only charged on members' daily outstanding loan balance.
  • The top up facility entitles members to apply for a new loan while still repaying an existing loan(max of three per 12 months).
  • A multiple loans facility is available thereby allowing members to borrow for different purposes with different repayment periods.
  • Loan repayment terms to suit your needs.
  • Loans generally available within three days of receipt of application.
  • Free Loan Protection Insurance on eligible loans.
  • No hidden charges/transfer costs.
  • Flexible loan repayment arrangements and a lump sum repayment facility without penalties.
  • Repayments deducted at source at no charge for I.N.T.O. and R.T.A.I. members.

Representative Example

Borrow €1000 over 12 months, repay €39.98 per fortnight, total amount payable (including interest of €41.35) is €1041.35.
Annual interest rate (variable) is 7.8%.

ABOUT US
Serving the financial needs of INTO and RTAI members and their families.
Contact Us
  • Comhar Linn INTO Credit Union Limited
  • Tel: 1850277377 / 8731101
  • Fax: 01 873 3253
  • Email:
  • Web: www.comharlinnintocu.com
  • Address: 33 Parnell Square, Dublin 1
Opening Hours
Mon: 10.00am - 5.00pm
Tue: 10.00am - 5.00pm
Wed: 10.00am - 5.00pm
Thu: 10.00am - 5.00pm
Fri: 10.00am - 5.00pm
Sat: Closed
Comhar Linn INTO Credit Union Limited is regulated by the Central Bank of Ireland. Reg no: 393CU