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• We offer an incredibly competitive interest rate of just 4.95% (5.07% APR) on car loans of €15,000 or more; that’s one of the lowest car loan rates with some of the best car loan terms & conditions in the market.

• You own the car from day 1 - unlike PCP arrangements where you simply rent the car until the last payment is made.

• No hidden charges: no processing charges, & no documentation fees.

• No penalties for early loan repayment. If you’re in a position to pay-off your loan earlier than expected, good for you - we won’t penalise you for doing it.

• No balloon payments; when your loan is finished, it’s finished!

• Our loan terms are member-friendly - there are no complicated or sneaky terms & conditions - it’s all very straightforward.

• We offer a friendly & helpful service; you are free to talk to us at any stage about any queries or concerns you might have about your loan.

• We consider each application on its own merit - basically, we look at your ability to repay the loan.

• New members are welcome to apply for a loan as soon as you join. Our lending decisions are not dependant on the amount of time or savings you have in the credit union.

• You’re effectively a cash buyer with a KILCU Car Loan, so you won’t need to put down a deposit on your car before you drive it away.

• We offer quick decisions and easy access to your funds.

• You can apply online - the entire process can be done from home.

• We offer free loan protection insurance. Should you die during the term of the loan, the remaining balance will be cleared in full. (Terms and Conditions apply*).