Educational Loan | St Patricks Credit Union | People Helping People

Our Education Loan is at a specially reduced interest rate of 6.5% p.a. variable is designed primarily for members who have a child going to 3rd level (can also be used for primary and post-primary education costs).

Educational Loan

Get Your Education Loan from St.Patricks Credit Union Today



Your Educational Loan allows members apply for approval for the full amount of 3rd level costs that will be incurred over the duration of the course (typically from 1 to 4 years) and then draw down the loan in various stages and amounts as and when required during this period.

This gives the member peace of mind knowing they have the financial resources to put their child/children through college, and avoids the uncertainty of having to apply for a loan each year.

Free Loan Insurance.

Members can also avail of our free Loan Protection Insurance, which clears a member's loan balance in the event of death (assuming the member was in good health at the time of taking out the loan).


Representative Example

€10,000 loan repayable over 48 months

​48 monthly payments of €238.00

Rate of interest 6.5% p.a. variable

Representative 6.7% APR

Total Amount Payable is €11,379.35

Education Loan Calculator

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98% of all Loan Applications were Approved!

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5 Great Reasons To Apply Today!

Quick decisions for most loans.

No penalties for early repayment.

Free Loan Insurance cover.

Flexibility to increase repayments and pay off the loan faster.

No hidden fees or charges.

Download Forms

Download Membership Application Forms

Find all the forms you need to apply to join St.Patrick's Credit Union. Click here to download forms

Loan Application Forms

Find all the forms you need to apply for any of our loans Click here to download forms

Useful Information

Each loan application will be treated with the utmost confidence and will be considered on its own merits. Read more useful information about your loan application.

Acceptable Forms of ID

Your loan application will require proof of identity and address. See a full list of the acceptable forms of ID.

Managing Your Repayments