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Loans Personal Loan

Your Personal Loan - Your Way

Whether you're looking for THE 'not another household bill' CAR LOAN, or THE 'it’s on the blink again' CAR LOAN, come and talk to your local credit union.

WE'RE NOT HERE FOR PROFIT.

WE'RE HERE FOR PEOPLE.

Whatever stage you’re at in life, there will always be times when it suits you to borrow for what you need right now. And no matter what your personal loan is for, Synergy Credit Union will ensure everything is clear, transparent and straightforward.

  • There are no administration charges, hidden fees or transactions charges. .
  • Repayments are calculated on your reducing balance, so you pay less interest with each repayment.
  • In the event of your death, your credit union loan is insured - subject to terms, conditions and eligibility criteria - at no direct cost to you.
  • You can pay off your personal loan early, make additional lump sum repayments or increase your regular repayments, without a penalty. Other lenders may charge you extra for paying them back faster!

We will quote you a competitive interest rate. Compare the rate - alongside our other benefits - and you’ll find a credit union personal loan offers low cost but high value. Your credit union also may give borrowers an interest rebate at the end of the year so you may get back some of the interest you’ve already paid on your loan. we have done this for the last two years at least.

So, for a smart, affordable personal loan your way - make sure Synergy Credit Union is first on your to-do-list.

HOW DO I APPLY FOR A PERSONAL LOAN?

If you're not already a credit union member why not join today? You'll find details on joining HERE and its free. Join today

For members, it's as simple a matter of applying online HERE if you wish or call into one of our offices in Fermoy or Watergrasshill . You will be asked to complete a loan application form and provide some other details relevant to your loan enquiry. Your application will be treated in the utmost confidence and will be considered on its own merits.


Contact Us
  • Synergy Credit Union
  • Tel: 1800 272927
  • Fax: 025 32503
  • Email:
  • Address: 27/29 Patrick Street, Fermoy, Co Cork
Opening Hours
Fermoy Branch
  • mon
  • tue
  • wed
  • thu
  • fri
  • sat
  • 10:00am - 4:00pm
  • 10:00am - 4:00pm
  • 10:00am - 4:00pm
  • 09:30am - 4:00pm
  • 09:30am - 4:00pm
  • 09:30am - 1:30pm
Watergrasshill Branch
  • tue
  • fri
  • sat
  • 10:00am - 2:00pm
  • 10:00am - 4:00pm
  • 09:30am - 12:00pm
*closed for lunch 12:30 - 1:30pm
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Synergy Credit Union Ltd is Regulated by the Central Bank of Ireland. Reg No. 126 CU