First Choice Credit Union Home Improvement Loans
Get in touch or apply today. Borrow up to €80,000 from as low as 5.90% (6.06% APR) with flexible repayment terms and free* loan protection insurance.
The amount you can borrow is based on your ability to repay & your credit record. There is no need to have a certain amount held in savings for unsecured loans.
Click the option below which is relevant to you for more information.
5.90% Home Improvement Loan €50,001 - €80,000
Enjoy our super low Large Home Improvement Loan rate of 5.90% (Typical APR 6.06%) which can be used for home improvement amounts between €50,001 – €80,000.
- Minimum Loan €50,001.
- Maximum loan €80,000.
- This loan rate is available for all home improvements e.g. renovations, energy efficiency upgrades etc.
- This product is NOT available for property purchase, or for re-financing existing borrowings with First Choice Credit Union.
- Maximum loan term is 10 years.
- This is a variable interest rate loan, so there is no penalty for early repayment.
- Approval is typically available within 24 hours from when we receive your information.
- Free Loan Protection Insurance subject to eligibility terms and conditions.
For more information on how to apply or arrange an appointment please call 094 9022969, email loans@fccu.ie or visit any of our branches in Achill, Balla, Ballyhaunis, Castlebar, Kiltimagh or Swinford.
6.90% Home Improvement Loan €25,001 - €50,000
Enjoy a super low Large Home Improvement Loan rate of 6.90% (Typical APR 7.12%) for home improvement amounts between €25,001 – €50,000.
- Minimum Loan €25,001.
- Maximum loan €50,000.
- This loan rate is available for all home improvements e.g. renovations, green efficiency upgrades etc.
- This product is NOT available for property purchase, or for re-financing existing borrowings with First Choice Credit Union.
- Maximum loan term is 10 years.
- This is a variable interest rate loan, so there is no penalty for early repayment.
- Approval is typically available within 24 hours from when we receive your information.
- Free Loan Protection Insurance subject to eligibility terms and conditions.
Apply online below and avail of our eSignature Service. Apply for a loan online 
Take advantage of our Open Banking service or upload your supporting documents online
Digitally sign the loan documents online
We will then issue your loan to an account of your choice
Alternatively, for more information please call 094 9022969, email loans@fccu.ie or visit any of our branches in Achill, Balla, Ballyhaunis, Castlebar, Kiltimagh or Swinford.
8.50% Home Improvement Loan €15,001 - €25,000
Enjoy a discounted loan rate of 8.50% (Typical APR 8.84%) for home improvement loans when borrowing between €15,001 – €25,000.
- Minimum Loan €15,001.
- Maximum loan €25,000.
- The maximum loan term is 10 years.
- Free Loan Protection Insurance subject to eligibility terms and conditions.
- This is a variable interest rate, so there is no penalty for early repayment.
- Approval typically within 24 hours from when we receive your information.
Apply online below and avail of our eSignature Service. Apply for a loan online Take advantage of our Open Banking service or upload your supporting documents online Digitally sign the loan documents online We will then issue your loan to an account of your choice
Alternatively, for more information please call 094 9022969, email loans@fccu.ie or visit any of our branches in Achill, Balla, Ballyhaunis, Castlebar, Kiltimagh or Swinford.
9.40% Home Improvement Loan €5,001 - €15,000
Enjoy a discounted loan rate of 9.40% (Typical APR 9.82%) for home improvement loans when borrowing between €5,001 – €15,000.
- Minimum Loan €5,001.
- Maximum loan €15,000.
- The maximum loan term is 10 years.
- Free Loan Protection Insurance subject to eligibility terms and conditions.
- This is a variable interest rate, so there is no penalty for early repayment.
- Approval typically within 24 hours from when we receive your information.
Apply online below and avail of our eSignature Service. Apply for a loan online Take advantage of our Open Banking service or upload your supporting documents online Digitally sign the loan documents online We will then issue your loan to an account of your choice
Alternatively, for more information please call 094 9022969, email loans@fccu.ie or visit any of our branches in Achill, Balla, Ballyhaunis, Castlebar, Kiltimagh or Swinford.
11.95% Home Improvement Loan €100 - €5,000
Borrow at a rate of 11.95% (Typical APR 12.68%) for home improvement loans when borrowing between €100 – €5,000.
- The maximum loan term is 5 years.
- Free Loan Protection Insurance subject to eligibility terms and conditions.
- This is a variable interest rate loan, so there is no penalty for early repayment.
- Approval is typically available within 24 hours from when we receive your information.
Apply online below and avail of our eSignature Service. Apply for a loan online Take advantage of our Open Banking service or upload your supporting documents online Digitally sign the loan documents online We will then issue your loan to an account of your choice
Alternatively, for more information please call 094 9022969, email loans@fccu.ie or visit any of our branches in Achill, Balla, Ballyhaunis, Castlebar, Kiltimagh or Swinford.
*Terms and conditions apply.
Allianz Home Insurance Offer
As a First Choice Credit Union member, you can save even more on your home insurance with Allianz Ireland – get 13% off online now.
Find out more: Allianz Home Insurance Offer
Allianz p.l.c. is regulated by the Central Bank of Ireland. T&C’s apply.
Loans are subject to approval. Terms & Conditions apply.
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.