Find out how to borrow with our Credit Union

Borrow with Black Raven Credit Union

Loan applications are considered in accordance with the Loan Policy which is reviewed and approved regularly by the Board of Directors.

Whether you want to buy a new car or used car, decorate your home or carry out large home renovations we have the loan for you. Contact us to discuss your financial needs and we will do our best to come up with an affordable solution for you.

The duration of the loan is linked generally to the purpose of the loan. For example, holiday and car insurance loans are normally repaid over one year. Car loans are normally repaid over a three-to-five-year term. Large home renovation loans can be repaid over 10 years.

Members have the flexibility of repaying the loans quicker than planned, without any penalty.

Under the Credit Reporting Act 2013, credit unions and all other lenders must provide information to the Central Credit Register on all loan application and loan agreements of €500 and above. The information will be held on the Central Credit Register and may be used by other lenders when making decisions on any loan applications to them. The Central Credit Register is owned and operated by the Central Bank of Ireland. For more information view the CCR FAQs document in our Downloads section or visit

Standard Loan

Our standard loan is available for all purposes at a rate of 8.99% (9.4% APR).

Special Car Loan

We've got a flexible car loan for you at a special rate of 5.9% (6.1% APR).

Electric Car Loan

We've got a flexible electric car loan for you at a special rate of 5.9% (6.1% APR).

Rainy Day Loan

Rainy Day Loan 4.89% (4.99% APR). Loans up to €2000.

New Member Loan

We have waived the waiting time for loans for new members. Apply for up to €2000 the same day as joining.

Home Renovation Loan

Our home renovation loan is available to homeowners spreading the repayment term up to 10 years.

Large Home Improvement Loan

Our large home improvement loan is available to homeowners at a reduced rate of 4.79% (4.9% APR) for amounts over €40,000.

CU Greener Home Loan

We are offering lower and lower interest rates on work which has the biggest overall impact on the home’s energy rating.

Mobile Phone Loan

Do you want to upgrade your phone or exit that costly mobile phone contract? Why not apply today for our new phone loan.

Emergency Loan

Experiencing an emergency? Borrow up to €2000 today.

Consolidation Loan

Switch and save with our debt consolidation loan!

Within shares loan

Instead of dipping into your hard-earned savings, you can now choose to take out a secured loan at a reduced rate of 3.83% (3.90% APR).

If you would like more information please contact us today.

Contact Us