Christmas Loans

At Blackrock Credit Union we have three different Christmas loan offerings for our members. We can help you spread the cost of Christmas to ensure you enjoy the festive celebrations without any financial stress this year. Taking out a Christmas loan from the credit union is more cost effective than using a credit card or overdraft especially with the current increases in the cost of living.

Our One for One Christmas Loan has a great low interest rate of 6% (6.15%APR) and is perfect if you are looking to borrow a small amount (up to €1,000) for a short time. It’s for whatever you might need it for to make Christmas just that little bit extra special and you’ll have paid it back within a year.

If you need a little more financial help for the Christmas season and would like to borrow between €1,000-€5,000 the interest rate is 11.9% (12.6% APR).

For Christmas loans over €5,000 you can avail of our Standard Loan rate at 9.9% (10.34% APR).

Apply for your loan in a few easy steps


1. Choose what type of loan suits your requirements.

2. Use our loan calculator to calculate how much you could borrow and what your regular repayments will be.

3. Apply for your loan via our App, by email, by phone or in our office in Blackrock.

Use the Loan Calculator below to see what you can afford to borrow and what your potential repayments will be.

Loan Calculator



Please note we provide loans to our members based on their ability to repay and not how much savings they have or how long they have been a member. All loan applications are dealt with in strict confidence.

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If you are not yet a member of Blackrock Credit Union but would like to borrow from us, please join us by completing our Membership Application Form.

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If you would like to make an enquiry about a loan please fill out our Loan Enquiry Form and one of our friendly staff will contact you.

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Please click on the dropdown menu under Loans to see the full list of great value loans Blackrock Credit Union is currently offering.

Any Questions?
Take a look at our FAQ section.

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Blackrock Credit Union Limited is regulated by the Central Bank of Ireland. Loans are subject to approval. Terms and 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.