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 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. 

APPLY NOW

*Terms and conditions 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.