Cash Back Car Loan

Are you thinking of upgrading your car?

Get Cash Back towards your tax or insurance when you take out a car loan with us.

Apply Now

Are you thinking of upgrading your car in 2023?

If you are planning to upgrade your car with a new or used car in 2023 why not consider the credit union for the finance.

You can still avail of our highly successful Cash Back Car Loan. Simply apply for a 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.


Cashback amount on drawdown

€3,000 - €6,000


€6,001 - €10,000


€10,001 - €20,000


€20,001 upwards


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.
  • We will give you a lump sum cash back towards your tax or insurance
  • 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.
*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%)

To apply simply complete a loan application form or apply through the online banking facility. Send in or upload 3 recent payslips or social welfare slips and three months current bank statements. 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.

Loan Calculator

Fixed Rate: 9.49% (9.91% APR)
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This calculator is for illustrative purposes only, to give you, the borrower, an overview of the potential cost of borrowing. The Credit Union, or any of its staff, cannot be held responsible for any errors. Please note that this calculator only provides an indicative quote and actual repayments may vary.

Representative Example

Car Loan

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5 years

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Not a Member?

Joining the Credit Union is the best decision you could take for your money. Lucan District Credit Union currently has over 16,500 active members and is growing. New members are always welcome.