Cultivate Farm Loans

6.55% variable (6.75% typical APR)

Farmer Friendly Finance

Cultivate is a loan specifically designed for Farmers and is an initiative of a group of Credit Unions that provides short to long term loan opportunities built specifically around the growing needs of our farming members.

Cultivate enables us help our farming members develop and future proof their business by providing quick and easy access to finance – borrow unsecured up to €75,000 for up to 10 years at a variable interest rate of 6.55%, typical APR 6.75%.

Farm Loan Features

  • Available to invest in new or second-hand machinery, upgrade building and facilities, purchase additional livestock etc.

  • Maximum loan term 10 years

  • Maximum Loan €75,000

  • Free Loan Protection Insurance (Terms and Conditions Apply)
  • No penalty for early repayment
  • Flexible Lending terms
  • Quick and Decisive Decision Making, our approval target is within 24 hours upon receipt of the required financial information

Loan Application Process

1. Become a Member

Once you are living or working within our common bond you are eligible to join us today and start borrowing.

2. Calculate your Loan

Estimate how much you could borrow and calculate your repayments: weekly, fortnightly or monthly using our online calculator.

3. Apply for Loan

Apply for your loan from the comfort of your home or in one of our 11 branches. Applying for a loan is easy and quick. Apply now

4. Sit back and relax!

The decisions are made quickly on loan applications, usually within 24 hours.

Cultivate Farm Loan – 6.55% variable (6.75% typical APR)

Representative Example

A 5 year Farm Loan of €30,000 will have 260 weekly repayments of €135.31, Interest 6.55% variable, (6.75% APR). If the APR does not vary during the term of the loan the total cost of credit is €5,180. The total amount payable is €35,180.

Loan Amount Interest Rate Loan Term Total Interest Weekly Repayment Total Cost


6.75% variable

5 Years




How to Apply?


The fastest way to apply is on our Mobile App or via your Online Account.

Call Us

Call us during office hours on

Email Us

Send an email with your loan details to us at

Visit Us

Call into any of our 11 branches throughout Limerick and Kerry with all your required documentation.