Home Improvement Loans

8.9% variable (9.27% typical APR)

Doing up the House?

Fancy a new kitchen or sunroom? What about a garden shed or raised decking?

Whatever you have in mind, our Home Improvement Loan can help you on your way.

It’s one of our most popular loans and is perfect for most routine projects around the house.

Home Improvement Loan Features

  • High approval rating (95%), and quick decision on your application — usually within 24 hours
  • Flexible repayment options, and no penalty for early repayment

  • Free loan protection insurance (subject to terms and conditions)
  • No hidden transaction fees or administration charges
  • Borrow up to €80,000
  • Great value interest rate – only 8.9% (9.27% APR*)

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. now

4. Sit back and relax!

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

Home Improvement Loan – 8.9% variable (9.27% typical APR)

Representative Example

A 10 year Home Improvement Loan of €50,000 will have 520 weekly repayments of €145.28, Interest 8.9% variable, (9.27% APR). If the APR does not vary during the term of the loan the total cost of credit is €75,547. The total amount payable is €25,547.

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


9.27% variable

10 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

Call Back

Submit this form and we’ll call you back at a time that suits you.

Email Us

Send an email with your loan details to us at loans@csdcu.ie.

Visit Us

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