Car Loans

Flexible finance for your car

If you’re thinking about buying a new or used car, the Blackrock Credit Union is a great choice for a loan. We offer a range of flexible car loans whether you’re looking for your first car, you need to increase the size of your family car or you feel it’s time for a stylish upgrade. With a loan for a new or used car from Blackrock Credit Union you own your car from day one and there’s no deposit required. You can get your Blackrock Credit Union car loan approved in advance so you can shop with the bargaining power of a cash buyer in the confidence that the funds are ready for you to drawdown as soon as you find your new motor. We’ll get you in the driving seat quickly at a standard car loan rate of just 9.9% (10.34% APR) for car loans between €5,000 – €15,000.

Car Loan Plus When you think the car of your dreams is out of reach, it may not be. Come and talk to us at Blackrock Credit Union about a Car Loan Plus from 8.2% (8.49% APR) on borrowings between €15,000 – €75,000 and we’ll have you on the road in no time.

Take a look at our discounted Green Car Loan if you’re thinking of lowering your carbon footprint and reducing your car emissions and need help buying an Electric or Hybrid Car in the near future.

What’s Different about a Blackrock Credit Union Car Loan?

With a flexible car loan from Blackrock Credit Union, you own the car from day 1 unlike some other forms of car finance like the very popular PCP – Personal Contract Plans or Hire Purchase agreements. With a car loan from Blackrock Credit Union there are no scary hidden administration or set up fees or additional charges and there are definitely no balloon payments, mileage restrictions or wear and tear penalties. If you want to own the car you’re driving now and want the freedom to decide when and how to sell it, a flexible car loan from Blackrock Credit Union loan may just be the car loan for you.

If you already have a car loan with another lender, perhaps you should consider refinancing that loan with Blackrock Credit Union as you could make your regular repayments smaller and more affordable. Simply use the loan calculator below to see what you could save by refinancing your present car loan with us.

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.