One Loan, One Repayment for  your Education and Car Needs

Looking for a student loan in Galway that covers more than just college fees? Claddagh Credit Union’s Special Education Loan is designed to support students with all the essentials, from tuition to textbooks, car purchase, car insurance, motor tax, and other education-related transport costs, all in one affordable loan.

What the Special Education Loan Covers:
Our flexible student loan helps you focus on your studies, not your finances:

🎓 College & University Fees – undergraduate, postgraduate, master’s degrees, PLC, apprenticeship and many more

🚗 Car Costs for Students – car insurance, motor tax, NCT expenses

🧑‍🏫 Diploma & Short Courses – part-time, full-time, and upskilling programmes

🖥️ Course Materials – books, laptops, and other course supplies

One Low Rate, one repayment, one competitive interest rate.

Whether you’re starting college, apprenticeship, going back for a master’s, or upskilling, we’re here to help you move forward.

Borrow between €100 and €50,000 over 1 to 5 years.

Have any questions? Click here to contact us

Loan Calculator

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APR 11.00%

APR 11.00%

Repayment Summary*:

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∗Terms & Conditions Apply. All figures given on this website are for your general information only, and give a rough guide to loan repayments. Any statements on this website do not purport to be authorative or legally binding. You are advised to check with our offices for up-to-date rates and offers.

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Loan Enquiry

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What We Require From You

What we require from you

1

Proof of Income

  • Depending on your own circumstances:
  • Recent payslips
  • Social Welfare receipts
  • Recent income assessment
  • Tax Clearance Certificate
2

Bank Statements

  • The last 3 months statements from your current account
3

Addition Information

  • CAO confirmation or College acceptance letter must be provided to avail of this rate. Educate360 loan applies to third level education only. (For primary or secondary education loans, see our personal loan)

Lending criteria

Savings Requirement

  • Minimum of €20 in your savings.

Ability to Repay

  • We must establish that a borrower is able to afford the loan repayments, including interest, for the full duration of the loan.

Loan Term

  • Maximum loan term is 5 years.

In the case that a guarantor is required on a loan and you are providing their documentation (e.g. payslip etc.) the Credit Union will need them to sign a Third Party Information Consent form available from our Downloads section.

There are four convenient options available

To apply for a loan:

    • Log in to your online account to apply* (if you don’t have online access just register below)
    • Complete an online loan enquiry via the Apply Now button below.
    • Call us on 091 537 200
    • Call into any of our three branches

*Applying through your online account enables you complete the whole loan process from application stage to funds being delivered direct to your bank account.

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Please note: All loans of €500 and greater are reported to The Central Bank of Ireland under the Credit Reporting Act 2013. You can find further information here.

CCR Information

View the complete Educate360 Loan terms & conditions.

Downloads Section

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.

Normal lending criteria, terms and conditions apply. Loans subject to approval.

If you would like more information please contact Claddagh Credit Union today.

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