Make Magic Happen this Christmas
With a little help from your local Credit Union
From little surprises to big memories, our Christmas Loan
is the easiest way to fund your festive season.
A Little Help for a Magical Christmas
Whatever the holidays bring, our Christmas Loan can help you cover the cost with confidence.
We’ll talk you through everything you need to know and keep things straightforward: a simple rate, no hidden fees, and repayments that are clear and manageable.
What can you use our Christmas Loan for
- Presents for family and friends
- Christmas dinner
- Festive nights out
- Last-minute shopping
Loan Example
Based on a loan of €1,500 over 12 months
| Amount Borrowed | Payment Frequency | APR | Repayment | Total Repaid | Cost of Credit |
| €1,500 | Weekly | 8.00% | €29.29 | €1,559.43 | €59.43 |
| €1,500 | Monthly | 7.98% | €130.28 | €1,563.22 | €63.22 |
Figures are for illustration only and may vary slightly due to rounding. Terms and conditions apply.
Try our Loan Calculator
Maximum Loan Term :
7.98%
7.98%
7.98%
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.
How it works
- Apply in minutes: online, on your phone or in branch - whatever suits you best. We move fast so you can too.
- Once approved, your funds land directly into your account, just in time for festive plans.
Not a member yet?
- Joining takes just a few minutes, either online or in branch.
- All you need is a valid ID and proof of address to get started.
- Once you’re a member, you’ll have access to fair, flexible lending and a local team you can trust.
Why Borrow with Us
Competitive Rates
Some of the best rates around with none of the fuss.
Local & Personal
Decided right here. By locals who care about locals.
Quick Turnaround
We move quickly so you can too.
Flexible Terms
Weekly or monthly repayment options available.
Trusted Support
Trusted by 7,500 members.
Built to Serve, Not to Sell.
We exist to serve our members not to make a profit off them.
If you’re an existing member, funds typically arrive within 2-3 working days.
For new members, allow up to 5 working days, depending on document verification and processing times.
Yes you can, provided your current loan is up to date and you meet our standard lending criteria.
We’ll review your repayment history and make sure the new loan is affordable for you.
No hidden fees. Interest is charged at a simple rate and there’s no penalty for early repayment.
You can choose to repay weekly or monthly. We can set up a standing order or deduction to keep things straightforward.
IMPORTANT NOTE: All loans subject to approval – T&Cs apply. Ennistymon & District Credit Union is regulated by the Central Bank of Ireland. APR is the Annual Percentage Rate of Charge.
WARNING: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.
