Car Loan

Drive Your Dreams, Apply Today

Drive Your Dreams, Apply Today

7.99% (8.29% APR)

Drive away in your dream car today—no PCP restrictions, you own the car from day one. Explore a Credit Union car loan tailored for every car choice, whether you're after a luxury model, a family car, first car or a reliable runabout. At Ashbourne Credit Union, we're here to help you hit the road with the car that suits your needs.

Our benefits

Why borrowing with Ashbourne Credit Union is different

No hidden costs or administration fees

If you pay off your loan early or lodge a lump sum we don’t impose an interest penalty on you

Free life cover on your loan (subject to term & conditions)

Fair and honest interest rates

What's different about a Credit Union car loan?

Unlike a Hire Purchase (HP) or Personal Contract Plan (PCP), with a car loan from Ashbourne Credit Union, you own the car from the outset. There are no hidden fees or charges and definitely no balloon payments or mileage restrictions. If you want to own the car you're driving and want the freedom to decide when to sell it, Our Ashbourne Credit Union loan may just be for you.

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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

In order to get our great car loan rate there are a few small conditions:

  1. Cheque payable to seller
  2. Direct Debit is required
  3. Proof of car details will need to be provided
  4. Supporting documentation
Loan Documentation required by the Member and Guarantor where applicable:
Before you apply, please ensure that you have the following documentation
  • Valid Photo I.D passport / driver’s licence
  • Proof of Address (bank statement, utility bill dated within the last six months)
  • Proof of PPS number on an official document
  • Proof of Income (3 most recent payslips, pension payments, social welfare receipts)
  • Last 3 months bank statements (for all bank accounts) / credit card statements
  • Most recent Mortgage Statement
  • Proof of any other additional income

Additionally, if you are self-employed, you will also require

  • Last 6 months bank current account, business account and credit card statements
  • Most recent account certified by a registered Accountant.
  • Most recent Form 11 (will typically refer to the previous financial year)
  • Most recent Revenue Notice of Self-Assessment (Chapter 4)
  • Tax clearance cert / Letter from Accountant confirming accounts and tax is up to date.
  • Cash flow statement
  • Proof of any other income
  • Proof of rental income and tenant arrangement (i.e., copy of lease / tenant agreement / rent book).
  • Other documentation may be required on assessment.
Please Note

Documents can be handed in at the credit union, uploaded via our website with online loan applications or emailed to our lending team at Emailed documents must be in PDF format and legible.

Proof of address and Valid ID must be up to date on all accounts.

You can download our supporting documents, click here. Please be advised other documents may be required and will be advised by our lending team.

To view our office opening hours or to contact us click here.

Latest News

15 Dec 2023

Christmas Opening Hours 2023

Christmas opening hours 2023

18 Oct 2023

Our new Website is Live!

We are delighted to announce the launch of our new website. We hope you like the new look and feel...

09 Sep 2022

Annual General Meeting

The 2021 Annual General Meeting of St.Declan's Ashbourne CU will be held virtually on the 22nd September 2022 at 8.00pm and you are invited to attend...

10 May 2022

Budget Accounts

Do you wish you could manage your bills better? Call and speak with one of our Budget team about the benefits of opening a budget account with us?

12 Apr 2022

Who is your Nomination?

Nomination forms allows the member to specify the person or persons that they wish their funds held in our Credit Union to be transferred to, in the event of their death

16 Feb 2022

Volunteers needed to join our Board of Directors

We are looking for volunteers to join the Board of Directors. We hope to see and hear from new faces soon...

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Ready to Apply?

Are you ready to apply or do you need more information on our affordable loans? Click the "Apply Now" button to start your journey right now or click the "Contact Us" button to send us a message if you are unsure about your documentation, or still have other questions.

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