End of the Cash Back Car Loan

The Cash Back Car Loan is coming to an end

The cash back car loan will be discontinued from 31st January 2026.

Until then you can still avail of the Cash Back Car Loan by simply applying for the loan and we will give you a lump sum back on draw-down that you can put towards your car tax or insurance. The cash back amount will depend on how much you are borrowing.

*Terms & Conditions

• Cash Back applies only to car loans of €3,000 and above
• The cash back amount is only provided in year 1 on draw-down of the loan
• The loan application is subject to our usual underwriting criteria
• It you already have an existing loan; the cash back is only provided on the top up portion of the loan.
• The loan is issued at our standard variable interest rate of 9.49% (APR 9.91%)
• This promotional loan product will end on 31st January 2026

Why would I take a credit union loan when I can get a lower interest rate from a garage?

It's true that the credit union can't compete with the garages on rate. However, we can offer other things which garages cannot. You should consider these when making your decision before you buy the car.

• You will own the car from day one.
• With credit union loan pre-approval, you can negotiate a cash price for your new car
• There are no lump sum deposits or balloon payments at the start or end of your credit union loan
• We have no admin fees, set up charges or close out charges on our loans. Absolutely no hidden fees.
• You have the option of paying more off your loan to clear it down early and save money on interest, with no penalty.
• Your loan is fully covered by loan protection insurance at no extra cost to you (subject to T&Cs). Should anything happen to you the loan will not be a burden on your next-of-kin.

To apply simply complete a loan application form or apply through online banking or the mobile app. Send in or upload 3 recent payslips or social welfare slips and three months current bank statements or link your bank account to the loan application, for statements only, using the new open banking facility. We aim to have a decision within 24 hours when all paperwork has been provided. If you have any questions, please give us a call at 0818 297 007.