First Choice Credit Union Home Improvement Loans

We’ve reduced our interest rates! 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.

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 Personal Loan rate of 5.90% (Typical APR 6.06%) which can be used for home improvement amounts greater than €50,000.

  • 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.
  • Loan term is the lesser of:
    • 10 years, or
    • The useful life of the expenditure being completed, or
    • The remaining term on finance being switched from another institution
    • The normal retirement age of the borrower
  • Range of repayment methods available.

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 or Swinford. 

This loan is available for new loans issued and may be withdrawn from availability at any time at the sole discretion of FCCU.

6.90% Home Improvement Loan €25,001 - €50,000

Enjoy a super low Large Personal Loan rate of 6.90% (Typical APR 7.12%) which can be used for home improvement amounts between €25,001 – €50,000.

Should you apply online for this amount, please select the Large Personal 25k to 50k loan option.

  • 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.
  • Loan term is the lesser of:
    • 10 years, or
    • The useful life of the expenditure being completed, or
    • The remaining term on finance being switched from another institution
    • The normal retirement age of the borrower
  • Range of repayment methods available.

Apply below or for more information please call 094 9022969, email loans@fccu.ie or visit any of our branches in Achill, Balla, Ballyhaunis, Castlebar or Swinford. 

This loan is available for new loans issued and may be withdrawn from availability at any time at the sole discretion of FCCU.

9.50% Home Improvement Loan €5,000 - €25,000

Enjoy a super low rate of 9.50% (Typical APR 9.92%) for home improvement loans when borrowing between €5,000 – €25,000.

  • For all Home Improvements including extensions, renovations and redecorating.
  • The minimum loan amount or top up loan amount is €5,000.
  • The maximum loan amount is €24,999.
  • The maximum loan term is 10 years. The term we approve will depend on the purpose of the loan and the age of the borrower.
  • 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.
  • You will be required to provide evidence of the home expenditure by way of receipts or invoices for a minimum of 75% of the loan amount.

Apply below or for more information please call 094 9022969, email loans@fccu.ie or visit any of our branches in Achill, Balla, Ballyhaunis, Castlebar or Swinford. 

*Terms and conditions apply.

For a Home Improvement Loan between €0 – €5,000, please go to our Personal Loan webpage by clicking the following link: Personal Loan Webpage.

If your loan application is for €50,000 or more:

Please contact a member of our lending team on 094 9022969 or email loans@fccu.ie. Loans of €50,000 or more cannot be applied for online.

Loans are subject to approval. Terms & Conditions apply. 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.