You can apply online

No penalities


Loan Insurance


Flexible Payment Options

You can really borrow for any purpose with Cara Credit Union. When you apply for a loan, you know you will be treated fairly. With free Loan Protection Insurance you will also have peace of mind.

Not only do we offer competitive interest rates, but we genuinely care about your social and financial well being and strive to ensure that:

A) Our loans are of benefit to you
B) You don’t overstretch your finances

Last year over 10,000 members borrowed over €38.2 Million from us

  • Allowing members to go to college, get married, do up home, buy car, clear debts, etc
  • Sustaining growth and employment as the money is spent locally

Benefits to you

  • Allows you to do the things you want to do
  • Our loan application process is quick and efficient
  • Competitive interest rates with flexible repayment terms
  • Interest is calculated on the reducing balance so you pay less interest with each repayment.
  • No Fees and No Penalties if you repay your loan early
  • Free Loan Protection Insurance, your loan is cleared in the event of your death or permanent disability (terms and conditions apply)
  • When your loan is cleared, you will still have your savings
  • At the end of the year, if we issue a Loan Interest Rebate, you’ll get a refund on the interest you paid (2.5% Refund to Borrowers in 2017).
  • For Motor Loans, you own the vehicle straight away. No lease and no hire purchase. You are effectively paying with cash to bargain your way to a better deal

3 simple ways to apply:

phoneApply by Phone 066 712 2373 (Dial 1 for Loans)

apply Apply online here and one of our team will call you back.

callinCall in to our offices in Tralee, Castleisland or Killorglin


Loan calculator > Apply online here