As we kick off the New Year, many of us are looking to start fresh and upgrade our car. Whether you’re in the market for a reliable starter car, upgrading to a spacious family car, or treating yourself to something a bit more luxurious, having the right financing options is crucial. At Roscommon Credit Union, we understand that, and we’re proud to present our exclusive car loan promotion with a fantastic interest rate of just 5.9%.
But don’t wait—this limited-time offer runs ONLY until the end of February.
Why Choose Roscommon Credit Union?
Ownership from Day One
Unlike leasing or hire purchase agreements, our car loans allow you to own your vehicle outright from the moment you drive it. There are no hidden fees, balloon payments, no mileage limits, and no waiting until the end of a term to call the car yours. With Roscommon Credit Union, you can enjoy total control over your investment without the hassle of leasing complexities.
Build Equity with Every Payment
As you pay off your loan, you’re simultaneously building equity in your vehicle. This can help your financial standing if you decide to sell the car down the line or even serve as collateral for future loans.
Fixed Payments for Easy Budgeting
Your monthly payments won’t fluctuate so you’ll know exactly what to expect each month, allowing for straightforward budgeting and peace of mind.
Streamlined Application Process
Getting your loan is as easy as visiting our website and sending an enquiry. Alternatively you can apply through our mobile app, calling us, or stopping by one of our branches. Our team is here to guide you every step of the way.
The Smart Choice: Credit Union Car Loan vs. Car Finance
When you choose a car loan from Roscommon Credit Union over Personal Contract Purchase (PCP) or Hire Purchase (HP), you’re opting for more freedom and autonomy:
- No Mileage Limits: Drive as much as you need without restrictions.
- No Balloon Payments: Your loan terms are clear, with no surprise large payments at the end.
- No Unexpected Fees: What you see is what you get. We believe in transparency.
- Lower Overall Costs: With our competitive rates, you’ll pay less interest over time.
When considering a new car, it’s important to compare different lenders, to look at the total cost of the loan including interest and consider how the monthly payments fit into your budget. Also, ensure you understand the terms regarding early repayment or refinancing if your financial situation changes. We have done the comparison for you, and our current limited-time interest rate beats national banks, financial institutions, fintechs, other credit unions, and all other car finance options on the market.
Based off information retrieved from source on 10th January 2025
You won’t see a better offer anywhere else!
How to Apply for Your Car Loan
- Call: 090 66 26657
- Email: loans@roscommoncu.ie
- Website: roscommoncu.ie
- Download the ‘Roscommon Credit Union’ app in your App Store
- OR visit us in branch (Roscommon, Ballaghaderreen, Strokestown, Elphin)
If you’re short on time but would like to enquire you can do so here: https://www.roscommoncu.ie/Enquiry-Form
What do I need to apply?
- If loan amount is between €3,000 and €20,000, you will need to provide 2x payslips and 3 months bank statements
- If loan amount over €20,000, you will need to provide 3x payslips and 6 months bank statements
- If you’re self-employed, you will need to provide a recent set of audited accounts
Below are some examples of how loan repayments would work out at this current promotional interest rate. Use our loan calculator at www.roscommoncu.ie to see what repayments would fit into your budget.
Figures correct as of 17/01/2025
Once you have submitted your application and provided paperwork, our team will shortly be in touch to guide you through the next steps.
Ready to Hit the Road?
Don’t wait too long-this limited-time offer of 5.9% will be available until the end of February!
Secure your loan with a minimum amount of €3,000 and enjoy flexible terms for up to 5 years.
If you need further assistance or have questions about your options, feel free to contact us at 090 66 26657 or loans@roscommoncu.ie.
Not a Member Yet?
Joining Roscommon Credit Union is simple! If you’re not already a member and want to take advantage of this fantastic promotion, the process is straightforward and requires minimal paperwork.
Make 2025 the year you take control of your finances and drive towards your goals
Roscommon Credit Union – your trusted financial partner.
