Car Loans

We have a variety of car loans for you to choose from. Scroll down for more details.

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1. Low-Rate Car Loan

Over €15,000 - 5.95% (6.11% APR)

If you are borrowing €15,000 or more, you should consider our low-rate car loan with an interest rate of just 5.95% (6.11% APR). You can apply before you start looking, so when you find the perfect car, you can move quickly because you'll have all the negotiating power of a cash customer.

*Loan Conditions: Minimum loans amount is €15,000. Member must provide a quote from a garage in advance of loan drawdown..

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High approval rating (95% of all loan applications are approved)

Quick decision on your application (usually within 24 hours)

Flexible repayment options and no penalty for early repayment

Free loan protection insurance (subject to certain T&Cs)

No hidden transaction fees or administration charge

You own your car from the outset, which means you can sell or change it whenever you wish.

You can pay off your car loan early without incurring a penalty.

Your loan is insured at no extra cost to you (some T&Cs apply).

You don't have to worry about mileage restrictions or other limitations.

There is no administration or set up fees.

2. Standard Car Loan

Up to €15,000 - 9% (9.38% APR)

We like to see our members on the move, so we'll get the wheels in motion right away if you come to us for help to buy a car. From a humble first motor to a stylish upgrade or a reliable family vehicle, we'll do our best to get you in the driving seat with one of our flexible car loans.

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Apply for a Loan today!

Discover our Car Loans

Maximum Loan Amount :
Maximum Loan Term :

€

Required Loan Term

Repayment Frequency
€
APR
6.11%
# Repayments
Total
Total Cost
Apply for Loan
€
APR
6.11%
# Repayments
Total
Total Cost
Apply for Loan
€
APR
6.11%
# Repayments
Total
Total Cost
Apply for Loan
€
APR
6.11%
# Repayments
Total
Total Cost
Apply for Loan

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

Loan amount

€50000

Interest rate - APR

6.11%

Loan term

5 Years

Cost of Credit

€7,921

Monthly repayment

€ 965

Total Repayable

€57,921

Need more Information?

Need more Information?

contact our lending team by email loans@enfieldcu.ie or by phone 046-9541296.

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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.

Loans are subject to approval. Terms and Conditions apply.

Caution - Variable rate loans can lead to fluctuating monthly payments, impacting youroverall budget.

Enfield Credit Union Limited is regulated by the Central Bank of Ireland (No. 343CU) and authorised as an investment business for the provision of investment intermediary services (No. C13889)

How do I Apply?

To ensure a smooth application process, we’ll ask for:

  • 3 most recent payslips
  • Proof of any other household income
  • Bank statements for the past 3 months

NOTE: Additional documentation may be requested depending on your circumstances.

Once your application and supporting documents are submitted, one of our team members will get back to you as soon as possible with an update.

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