Car Loans

Shopping for a New Car or have a PCP balloon payment due? Consider a SmartOption Car Loan.

Here’s why:

  • A SmartOption Car Loan is a straight forward loan with regular repayments over an agreed term. There are no administration fees or hidden charges.
  • Unlike a PCP agreement you own the car from the outset and there are no surprise balloon payments.
  • With a SmartOption Car Loan you can also pay the loan off early, make lump sum repayments or increase your regular repayments without penalty.
  • As your repayments are calculated on a reducing balance with a SmartOption Car Loan you pay less interest.
  • Eligible members get free loan insurance.
  • The Credit Union is for members and not for profit.
  • Click here to access our Car Loan Calculator

Interested? Let’s set the wheels in motion!

If you are a member and would like to apply, simply:

  • call us on 053 9123909
  • drop in and apply at our office in Anne Street.
  • email loans@wexfordcreditunion.ie or
  • Apply online in our Member Login Area.
  • Haven’t Registered for online access yet? No problem Register Now

If you’re not already a member, everything you need to know is right here: MEMBERSHIP REQUIREMENTS

Typical Loan Examples

Loan Amount Weekly Repayments over 1 year
€3,000 €59.14
€5,000 €98.57
€7,000 €137.99


Loans are subject to approval. Terms and conditions apply. 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. Wexford Credit Union Limited is regulated by the Central Bank of Ireland.