First Time Borrowers 6% (6.2%APR)


We are delighted to announce our First Time Borrower rate of 6% (6.2% APR) for new and existing members. This rate is open to all members who have not yet borrowed with us! This is one of the most competitive interest rates on the market!

Why we introduced this rate;

  • Our special rate First Time Borrower loan is designed to give first-time borrowers peace of mind (T&Cs Apply).
  • Repayments to suit you - weekly, fortnightly, 4-weekly or monthly.
  • No application fees or early repayment charges.

This fantastic low interest loan offers members the chance to put some money back into your pocket and to help build a credit history.

Term & Conditions Apply

  • Available to first-time borrowers only i.e. If someone has borrowed in the past at any time, they cannot avail of this offer
  • No existing loan will be brought to this rate
  • If a member applies for this loan and then tops up the loan, they will be moved to the Personal Loan Rate

Loan Enquiry Form

If you wish to enquire about a loan with St.Michael's Credit Union, please fill in and submit the form below and a member of staff will be in touch

Your Name (required):

Your Email (required):

Loan Amount:


Are you a Member of St.Michael's Credit Union?: