Within Shares Loan

A Within Shares Loan allows you to borrow up to the amount of your shares while availing of a lower interest rate of 3.83% (3.9% APR), without dipping into your hard-earned savings.

Benefits of a within shares loan:

Free loan protection insurance*

Protects the attached free life savings insurance attached to your shares*

Allows you to establish your credit rating within the Credit Union.

*terms and conditions apply.
Your shares will be held as collateral for the outstanding loan balance during the term of the loan i.e. the current loan balance.

Your Loan, Your Way

Because applying for a loan shouldn’t feel like decoding ancient runes

Become a Member

Once you are living or working within our common bond you are eligible to join us today and start borrowing now!

Calculate your Loan

Estimate how much you could borrow and calculate your repayments: weekly, fortnightly or monthly using our online.

Apply for it!

Apply for your loan from the comfort of your home. Applying for a loan is easy and quick with our new process.

Need a Loan?

Apply for a loan today with interest rates that suit you!

Estimate your loan repayments. Terms & Conditions apply.
Maximum Loan Amount :
Maximum Loan Term :

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This calculator is for illustrative purposes only, to give you, the borrower, an overview of the potential cost of borrowing. Black Raven Credit Union, or any of its staff, cannot be held responsible for any errors. Please note that this calculator only provides an indicative quote and actual repayments may vary.

Everyday Banking

You can now check you account balances all from the comfort of your home.

Frequently Asked Questions

Everything you need to know

What We Require From You
  1. Proof of Income
    • Employees - Copy of last 3 payslips, Employment Details Summary
    • Retired – Proof of all pensions
    • Proof of any other additional income if applicable
  2. Outgoings
    • Mortgage/rent repayments if applicable
    • Credit Card payments if applicable
    • HP/PCP agreements if applicable
    • Personal loan if applicable
    • Any other regular outgoings if applicable
  3. Identification
    • Photo ID – Current Drivers Licence/Passport
    • Proof of Address – Utility Bill, Bank Statement dated within the last 3 Months
    • Proof of PPSN – Medical Card, Payslip, revenue or social welfare letter
Ability To Repay

It is our responsibility to all members to ensure that we only lend members’ money to other members when it has been established that there is an ability to repay the loan. A borrower must be able to afford the loan repayments, including interest, over the full duration of a loan.

Free Loan Protection Insurance

Loan Protection Cover is currently provided for free to members by the Credit Union once certain criteria have been met.

*Terms & Conditions apply

Join Our Community

Credit Unions offer members the chance to take control over their own finances by making their own savings work for them. Every Credit Union is owned by the members – the people who save and borrow with it – people like you.