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Loans Student Loan

Your Student Loan - Your Way

Whether you're looking for THE 'need to upgrade my technology STUDENT LOAN, or THE 'can't ask my parents for another dig-out' STUDENT LOAN, or need a hand until the grant comes through, then a Synergy Credit Union Student Loan at the very low interest rate of 6.95% ( 7.2% APR) is the way to go.

Just finished the Leaving Cert and you are confident about where you are going , well then it's time to get your accommodation sorted , Apply for a loan now and book your accommodation and avoid the hassle of looking for some place in September - all you need is proof of your CAO application

Going back to college again , You know accommodation is hard to get , so why not get ahead of the posse and use your credit union to pay the deposit until your SUSI grant comes in, last years student card will do as proof of it being a student loan for the current year.

Thinking of doing a Masters or PhD , Apply today and avoid the rush and scramble that happens in September - Get you ducks in a row today - The term can be as long as 10 years depending on your circumstances.

3 Easy ways to apply for a student loan

Online Click HERE

At the Counter

Freephone 1800 272927



Our philosophy has always been to look at things differently. We understand the positive effect a student loan can have on your life, giving you peace of mind and independence, so we always look at your whole story. We only propose student loans with realistic terms, which you can pay back in a way that works best for you. You can have a student loan up to €25,000.

We don't charge administration fees or transaction charges and you can pay back your student loan early without penalty, if that becomes an option. Remember, in your local credit union, you are not a customer, you are a valued member.

A Synergy Credit Union student loan can help you in many ways, whether it’s to pay for registration fees, rent, books, course material, laptops, tablets or just living expenses. At this expensive stage in life, you’ll find Synergy Credit Union is there to help you. Call in for a chat today and we’ll soon have you sorted for the year ahead.

You can also apply online here, Just fill in the details and we will get back to you very quickly.

Work out how much your loan will cost you here with our student loan calculator

Why not apply for our Third Level Bursary, it is worth €4000. Closing date is 30th September. Get your application form HERE


For most people, the transition into third level education is a major change. Whether you’re living at home with your folks and commuting, in lodgings, an apartment or a house-share, student life means a whole new way of living. You have more choices to make - when to work, when to have fun, how to look after your money.

No matter what your student loan is for - from keeping you going day-to-day or THE my studies come first LOAN. Synergy Credit Union will ensure everything is clear, transparent and straightforward.

  • There are no administration charges, hidden fees or transactions charges.
  • Synergy Credit union interest rates are the lowest around (6.95% 7.2% APR0 and do not change over the course of the loan.
  • 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 student 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! (Seems mad to us that they can do that!!!)


You live and work in our community and it is in the community’s interest that our members are well educated so that they can avail of all opportunities that are available to further their careers and employment prospects. We want all of our members to feel confident that we will endeavor to support all of their financial plans with loans that fit you and your pocket and which are based on fair, reasonable terms.

We have at 6.95% (7.2% APR) one of the most competitive interest rates available. Compare them - alongside our other benefits - and you'll find a Synergy Credit Union Student Loan offers low cost but a high value educational loan product . See our loan calculator to see how competitive we are - click here

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

Any questions email us at or Freephone us at 1800 272927

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