Personal Loans | Home and Car Loans | Capital Credit Union
Capital Credit Union


Choose a loan that suits you
Switcher Loan

Switcher Loan

Switch & Save Today! Reduce your loan repayments with us on all your performing loans

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Welcome Loan

Welcome Loan

If it’s your first loan with us we’ll give you a warm welcome and a reduced loan rate!

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Green Loans

Green Loans

We offer a range of discounted green loans to help you Go Green!

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Car Loan

Car Loan

We love putting members in the driving seat with our flexible Car Loans.

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Home Improvement Loan

Home Improvement Loan

Whatever you're grand designs are, our Home Improvement Loan can help you!

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Personal Loan

Personal Loan

Whatever your dreams are, we can make it happen with our tailored personal loans.

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Student Loan

Student Loan

By helping students we’re investing in the future of our community.

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Secured Savings Loan

Secured Savings Loan

Hold onto your savings and use them as security for a loan at a special reduced rate.

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Business Loan

Business Loan

We offer business finance, made simple with SME Loans up to €400,000!

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Holiday Loan

Holiday Loan

Whatever the occasion or the adventure, we have the perfect loan for you!

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Debt Consolidation

Debt Consolidation

For those in difficulty with several loans, this loan can help you!

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Get your loan in 3 easy steps
1 Choose your loan
Choose your loan

We have many options — no dream too big or small

2 Calculate your repayments
Calculate your repayments

It couldn’t be easier with our handy Loan Calculator

3 Apply

Submit your application online, by phone or email — and a member of staff will be in touch

Why borrow from us
  • Quick decision on your application — usually within 24 hours
  • High approval rating — over 95%
  • Flexible repayment options
  • Free loan protection insurance (subject to terms and conditions)
  • No hidden transaction fees or administration charges
  • No penalty for early repayment
Loan calculator

Are you a member with online access? Click 'Apply Now' for a faster application!

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Frequently asked questions

How do I apply for a loan?

It only takes a few minutes to apply for a loan if you are a member. You can start by mapping out an affordable repayment plan using our straightforward Loan Calculator, then we’ll take it from there. You can also call one of our helpful loan specialists on (01) 299 0400, or speak to one of our team members at any branch.

Can I apply for a loan if I’m not a member?

To apply for a loan you must be a member of Capital Credit Union, and we’d love you to join our ever-growing community! You can quickly check if you’re eligible to join us, it just depends on where you live, work or study. Please note that not all credit Unions are the same — you may be eligible to join one but not another.

Who can join Capital Credit Union?

You’re welcome to join us if you live, work or study in parts of Dublin 2, 4, 6, 8, 12, 14, 16 and 18. This is known as our ‘Common Bond’ — the area in which our Credit Union operates. We think locally, and we’re bonded by our community values.

What documents do I need to apply?

If you’re applying for a loan, we ask for photo ID and proof of your home address. We may ask for additional documents, depending on the loan amount and whether or not you’re a CCU member.

What kind of loans do you offer?

We offer a wide range of loans at very competitive interest rates for all our Member’s needs. Members can borrow for a car, home improvements, wedding, holidays (when we are allowed again) and many more! Personal loans are available up to €100,000 and are generally approved within 24 to 48 hours.

Also, Capital Credit Union Members get free Loan Protection Insurance (Subject T&C’s) with their loans for peace of mind. We also provide flexible repayment options and terms.

For more information or to apply, please visit our website:


What is the process for switching my loan?

If you want to switch your loan to Capital Credit Union, it is extremely easy.

If you are currently a Member you just need to apply for the loan with us. Once approved we will transfer the funds to your bank to clear the loan or can transfer directly to the creditors concerned, once we have the BIC and IBAN for them.

If you are not a Member (and eligible to join) you just need to complete the membership form and apply for the loan at the same time.

We currently offer a reduced rate Switcher Loan that is a 6.9% interest rate. This loan can be used to clear existing facilities including loans, credit cards, overdrafts, car finance etc. and wrap them up in to one repayment, making things easier for you!

Do you provide mortgages and SME loans?

Yes, we do provide both mortgages and SME Loans for our members.

We provide mortgages up to €400,000, Members can apply online here: 

or call 01 299 0400 and a Member of our Loans Team would be delighted to speak to you at any time to see how we can help.

For SME Loans, we operate under a brand called BizFin which can be found here:

SME loans are available up to €400,000 and you will find our interest rates are very competitive. We offer a transparent, efficient and fast process for Members who we are committed to helping.

How can I re-activate my account?

If a Member has a dormant account, they can re-activate it in just a couple of minutes online.

Visit: and you will be able to fill in our online form and upload your Proof of ID and Proof of Address.

If you have any questions, call our dedicated Member Service Team – (01) 299 0400 or email during our open hours, these can be found here.

How do I become a member?

If you are not a member of Capital Credit Union, it’s really easy to do so online or in any of our 8 branches.

All you need to qualify to open an account with Capital Credit Union is to live, work or study in our catchment area which includes most parts of Dublin 2, 4, 6, 6W, 8, 12, 14, 16, 18 and North Wicklow. If you are unsure if you qualify, please call us – (01) 299 0400.

You can open your account online via our website here: or in branch, but you will need the following:

  • Proof of ID
  • Proof of Address (dated within the past 6 months)
  • €10 minimum share balance

What does a Capital Credit Union account cost?

One of the best parts of a Capital Credit Union account is that there are no fees! As a financial co-operative, we are focused on putting our Members needs first. There are no account or transaction fees as to tie in with the ethos of community spirit and Member loyalty

What can I do with Capital Credit Unions online banking?

With Capital Credit Union’s online banking, you get 24/7 access to your account, so your money is never far away!

As part of our online banking, you can:

  • Apply for a loan
  • Drawdown a loan
  • Make a payment or transfer
  • Upload documentation
  • Get your statements

And the best part is that it’s easy to register. To find out how to do so, visit our website and register today:

What other services do you have?

We provide a range of ancillary services for our Members to ensure we are your financial provider of choice.

These services, all the links are hyperlinks, include:

  • A range of insurance products
  • Death Benefit Insurance Programme worth €3,500
  • Monthly Prize Draw
  • Foreign Exchange
  • Free Will-Making Service

Contact us today by emailing or by calling 01 299 0400 if you would like to learn anymore about our services.

How many branches do you have and what are your opening hours?

Capital Credit Union has several branches across South Dublin.

More information on our branches, their locations and opening hours can be found  here:

How committed are you to the local community?

Capital Credit Union are extremely committed to the community and here to stay. For instance, the interest that Members pay on their loans is re-invested back into the local community. In an age where the banks are closing branches and reducing staff numbers we have maintained and increased our presence in the community for our Members. That’s what makes us more than a bank.

Also, every year we donate at least €50,000 to worthwhile causes, organisations, sports teams and schools in our community. A Community Council made up of local volunteers decide on all our sponsorship requests and how money is allocated 4 times a year.

Along with this, we support our young people through various schemes including our:

  • School Saving Scheme
  • Going Green Grant
  • Higher Education Scholarship

More information on all these can be found on our website at: Be sure to follow our social media for frequent updates

Can we help you with anything?

We can carry on the conversation any way you’d like — by phone, email, or calling at a branch. You’ll find one that suits below.

Capital Credit Union is regulated by the Central Bank of Ireland. Loans are subject to approval. Terms and Conditions apply. 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. * APR = Annual Percentage Rate 

Representative example: €15,000 loan repayable over 5 years. Rate of interest 7.9% per annum variable. *APR (Annual Percentage Rate) 8.2%. 60 monthly repayments of €303.43 per month. Total amount payable is €18,205.71.

 Variable rates are correct as of 01/01/21 and are subject to change.