Agri Loans
Our Agri loan provides short to medium term finance that is specifically designed to meet the needs of farmers.
Agri Loans from 6.55% (APR 6.75%)
At Mulcair Credit Union, we understand the dedication, hard work, and resilience it takes to run a successful farm.
We’re here to support our local farming community by offering competitive, flexible Farm Loans through our Agri Loan product.
Whether you’re looking to expand, upgrade equipment, improve sustainability, or invest in new opportunities, we’re committed to helping you achieve your goals with financing that’s tailored to the unique needs of farmers.
Loan Calculator
Use the calculator below to work out your repayments from our various loans.
- Weekly
- Fortnightly
- Monthly
All figures given on this website are for your general information only, and give an approximate guide to loan repayments. The figure calculated above does not constitute a loan offer and any statements on this website do not purport to be authorative or legally binding. Mulcair Credit Union accepts no responsibility for errors due to changes in rates or offers which have occurred after this date. You are advised to check with our offices for up-to-date rates and offers.
What do I need to apply?
For personal applications the following documents are required:
3 Most Recent Payslips
Bank account statement for 3 previous months
Proof of rent or other liabilities if not evident on your bank statement
Statements for your Revolut account if this is your main day to day account
If Self employed/director of a company you will also need to provide:
- Most recent set of financial accounts
Corresponding notice of assessment / Form 11
- Tax Clearance Certificate / letter from your accountant confirming tax affairs are up to date
- Bank account statements for 3 previous months
Ready to Apply?
Click on “Apply Now” button to start your journey right now or click on “Contact Us” button to send us a message if you are unsure about your documentation, or still have other questions. If you are not a member, join us today!
Why apply with us?
- Flexible, low cost way of covering your expense.
- Straight forward loan with regular repayments over an agreed term.
- No administration fees or hidden charges.
- Interest is charged on your reducing loan balance so your repayments are based on what is actually outstanding.
- Loans are insured by the Credit Union’s Loan Protection Insurance. This gives the comfort of knowing that your family will not be left with the burden of loan repayments in the event of your death. This cover is available at no extra cost. (Terms and Conditions apply).
- Loan interest rebates may apply. See the benefits section for more information.
Background to SME Regulations
New SME Regulations came into effect on 1st July 2016 to the extent that they apply to regulated entities excluding credit unions. They came into effect in relation to credit unions from 1st January 2017.
The objective of the regulations is to strengthen protections for SMEs, while also facilitating access to credit, by introducing specific requirements that regulated lenders must comply with. These requirements include:
- Giving SME borrowers greater transparency around the application process.
- Providing SME borrowers with reasons for declining credit, in writing, that are specific to their application.
- Providing greater protections for guarantors.
- Contacting SME borrowers who have been in arrears for 15 working days.
- Warning SME borrowers if they are in danger of being classified as not co-operating.
- Expanding the grounds for appeal and setting up an internal appeals panel.
For more information please call to the Credit Union for a copy of our SME Information Booklet, email loans@mulcaircu.ie or
All loans are subject to approval. T&C’s apply. Warning: if you do not meet the repayments on your loan, your account will go into arrears.
This may affect your credit rating which may limit your ability to access credit in the future.
Credit Unions in the Republic of Ireland are regulated by the Central Bank of Ireland.
