Estimate your loan repayments

Loan Calculator

I'd like to borrow:
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APR 11.00%

APR 11.00%

Repayment Summary*:










Loan Enquiry

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Make Your House A Home


  • 3 months bank/financial institution statements (most recent)*
  • Credit card statement (if applicable)
  • Mortgage statement (if applicable)
  • *Further bank/financial institution statements may be required in certain circumstances

Proof of Income

  • Employed - 3 recent pay-slips
  • Self-employed - Most recent set of accounts and Notice of self-assessment
  • Social Welfare - 1 recent payment receipts
  • Retired - Proof of all pensions


  • Photo ID – Drivers Licence/Passport
  • Proof of Address – Utility Bill, Bank Statement dated within the last 6 Months
  • Proof of PPSN – Medical Card, Payslip, P60
Lending criteria

Loan Term

  • The maximum term of home improvement loans is 10 years.

Home Improvements €30k+

  • We require quotes for the works to be carried out.

Free Loan Protection Insurance*

  • *Provided by the Credit Union to Eligible Members.
How to apply

How To Apply

If you are an existing member & registered for CU Online+ you can apply by logging into CU Online+ below or call us to make an appointment with one of our dedicated loans officers today. If you are not a member you join us online today.

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Please note: 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.

If you would like more information on applying for a loan with Ballybay Credit Union please contact us today.

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