Student Loan

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This document is for quotation purposes only, so as to give you, the borrower, an overview of the potential cost of borrowing. These repayments figures are for guideline purposes only.


Why choose us for a Student Loan?

Our philosophy has always been to look at things differently.We understand the positive effect a student loan can have on your life. It may give you peace of mind and independence, so the credit union always look at your whole story. We only propose student loans with realistic terms, which you can pay back in a way that works best for you.

We don’t charge administration fees or transaction charges and you can pay back your student loan early without penalty, if that becomes an option. Remember, in your local credit union, you are not a customer, you are a valued member.

A credit union student loan can help you in many ways. For example whether it’s to pay for registration fees, rent, books, course material or just living expenses. At this expensive stage in life, you’ll find your local credit union is there to help you. Call in for a chat today and we’ll soon have you sorted for the year ahead.



For most people, the transition into third level education is a major change. Whether you’re living at home with your folks, in lodgings, an apartment or a house-share, student life means a whole new way of living. You have more choices to make – when to work, when to have fun, how to look after your money.

No matter what your student loan is for – from keeping you going day-to-day or THE “my studies come first” LOAN your credit union will ensure everything is clear, transparent and straightforward.

  • There are no administration charges, hidden fees or transactions charges.
  • Credit union interest rates are fair and reasonable and capped by law.
  • Repayments are calculated on your reducing balance, so you pay less interest with each repayment.
  • Loans are insured (subject to terms and conditions) at no direct cost to the eligible member.
  • Repayment terms to suit your particular circumstances.
  • You can pay off your loan early, make additional lump sum repayments or increase your regular repayments, without a penalty. Other lenders may charge you extra for paying them back faster!

How much does a credit union student loan cost?
Try our Loan Calculator to see how our student loan can help you. (select the student loan rate of only 6%)

What about repayments?
Credit unions represent the members who save and borrow with them and because of this, you’ll find your credit union is very flexible.  Your credit union can help you with a repayment plan which suits you.  If your circumstances change and you want to alter your repayment plan, your credit union is there to help.  Furthermore, a member can repay your loan in full, at any time, without any penalty or additional charges.

Your credit union doesn’t make a profit.  Surplus income generated is returned to the members by way of a dividend or loan interest rebate. It is also directed to improved or additional services required by the members. So, whatever you’re saving for – a car, school or college fees, or just a rainy day – your credit union will give you a fair deal.
We believe in investing in our members futures.

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St. Columba's Credit Union
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