Standard Loan

11.95% Standard Loan

For when you need a hand for the expected or unexpected. And when you need that bit more time to pay it back. Plus, as always there’s no penalty for early repayment.

Loan Application Process

It's as easy as it gets



Become a Member

Join ANSAC Credit Union and avail of numerous tailored benefits, outstanding customer service and amazing community



Calculate your Loan

Estimate how much you could borrow and calculate your repayments: weekly, fortnightly, or monthly using our online calculator



Apply for Loan Online

Apply for your loan from the comfort of your home with our new online loan application. Upload all your loan documents through our mobile app - no paper no stress!



Sit back and relax!

Voilá! You are done! Our team are now reviewing your application, we will be in touch shortly to confirm your loan application.

Get a FREE Loan Insurance

Get a FREE Loan Insurance

Loan Protection Insurance is the insurance cover the Credit Union provides on the lives of its borrowing members.

Loan Calculator

Apply for a loan today with interest rates that suit you!

Standard Loan
Maximum Loan Amount :
Maximum Loan Term :

Required Term

Repayment Frequency
# Repayments
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This calculator is for illustrative purposes only, to give you, the borrower, an overview of the potential cost of borrowing. The Credit Union, or any of its staff, cannot be held responsible for any errors. Please note that this calculator only provides an indicative quote and actual repayments may vary.

Benefits of our loans

See some of our many loan benefits below

Free loan protection insurance.

Apply with ease online.

Borrow from your trusted credit union.

Take advantage of our low interest rates.

Avoid unnecessary fees.

Easy application online or through your local barrack rep.

Access funds via our online services.

No penalties for early loan repayments.

Member Testimonials

“I didn’t realise I could join ANSAC until my husband who is a member came home and said it to me. And its one of the best things I’ve done as I just bought my car using their 6.2% car loan!”

Yvonne E., ANSAC CU Member

“ANSAC have been a constant for me while I served and now as a veteran. It’s great to have that facility there for the defence force community and our families. I even came runner up in th...”

Tony W., ANSAC CU Member Read more

“ANSAC have been great supporters to the Ceannt Mess and our annual Christmas activities with the local schools. Thank you for helping us to give back to our local community.”

Donnacha W., ANSAC CU Member

Representative Example

Loan Amount


Rate of interest - APR


Loan Term

5 years

Total interest


Montly Repayment


Total Cost of Credit


The requirements to apply

You will be asked for the following when you apply.

Apply Now
  • Become a member at Ansac CU
  • Apply Online
  • Copy of 3 most recent payslips
  • 3 months of bank statements
  • Additional information may also be required

Loans FAQs

Apply for a loan today with interest rates that suit you!

Currently we offer car loans, annual loans, standard personal loans, special secured loans, welcome loans, debt consolidation loans and home renovations loan. You can read about these here.

Yes, we will lend to you for an imported vehicle provided you supply us with a copy of the log book within 3 mths of loan issue.

Upon qualification for your car loan, a cheque is payable to garage/car dealership. Alternatively, a copy of the log book must be supplied to us within 3 months of the loan being issued.

Typically, you will be stress tested if seeking an unsecured loan above €7,000.

To allow us to determine your ability to repay a requested loan, you must submit proof of income and your three most recent monthly bank statements.

In the case of a request for a home renovations loan in excess of €75,000 we will consider it on a case by case basis. Call our office on 018554489 to speak to one of our loan officers directly.

Yes, you are required to present a builder’s quote for at least 75% of the value of the loan being sought.

For all our current loan offerings Members have a choice of Fixed or Swift Rate loan repayments. With our fixed loan repayments Members loan repayments are the same each month. Of their monthly repayment, the majority is offset against the loan and interest. However, a designated portion of their repayment also goes into the Members shares. As their loan balance reduces, the portion going to their shares increases.

With our Swift interest loan repayment rate, repayments are also fixed. However unlike for our fixed loan repayment rate, the portion of repayments going into shares, for Members who select this option, remains static throughout the full loan term. Members who chose this rate will pay off their loan faster but will have less shares when they’ve finished paying off their loan.

For loan applications above €25,000 applicants are required to fill out a declaration of health form. We email or post this out to them along with their loan application form. They must then fill this out and return it fully completed and signed along with their application form by email or post.