A loan specifically designed for Farmers. Cultivate provides short to medium term loan opportunities built specifically around the growing needs of our farming members.

Estimate your loan repayments

Loan Calculator

Select Loan Purpose:
I'd like to borrow:
Loan term (years):

APR 11.00%

APR 6.75%

Repayment Summary*:

Weekly

Total

Interest

Fortnightly

Total

Interest

Monthly

Total

Interest

∗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
1

Outgoings

  • 3-12 months bank statements (most recent)
  • Credit card statement (if applicable)
  • Mortgage statement (if applicable)
2

Proof of Income

  • 3 years financial accounts
  • Chapter 4 Self-Assessment statement or Form 11
  • Written confirmation from accountant that the applicant's tax affairs are up to date and in order
  • Written confirmation from DAFM of approval of TAMS grant (Capital projects only)
  • Last milk cheque statement for the previous year (dairy farmers only)
3

Identification

  • Photo ID - Drivers Licence/Passport
  • Proof of Address - Utility Bill, Bank Statement dated within the last 6 months
  • Proof of PPSN - Medical Card, Payslip, Employment Detail Summary (EDS)
Lending criteria

Conditions

    • Minimum Loan €1,000
    • Maximum Loan €75,000
    • Minimum Term 1 year
    • Maximum Term 10 years
    • Unsecured loan

Whatever Your Needs:

    • Invest in new or second-hand machinery
    • Upgrade your buildings and facilities
    • Purchase additional livestock
    • Obtain working capital
    • Increase cashflow
    • Other Projects will be considered

Why Choose Cultivate?

    • Free Loan Protection Insurance, if the borrower dies the loan is cleared – subject to age & health restrictions.
    • Choice of repayment options to suit your circumstances
    • Interest is charged on the reducing balance of the loan
    • No penalty charges for early repayment
    • No hidden fees or set up costs
    • No upfront repayments
    • No transaction charges
How to apply

How To Apply

Existing members can come into any of our offices, call us on 0539233835 or make an application online when they are registered. We can then discuss your needs and proceed with your loan application.

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Please note: When applying for your first loan with us you will need to speak directly with one of our loan officers.
Please call 0539233835.

When processing a loan application we use credit agencies for credit reporting purposes, please check out The Central Credit Register.

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.

If you would like more information on applying for a loan with Enniscorthy Credit Union, please contact us today.

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