'Drive into the future with confidence' - Car loans at just 3.9% at Cois Sionna Desmond Credit Union

As the new 252 car registrations arrive this July, there's never been a better time to get behind the wheel of your dream vehicle. Cois Sionna Desmond Credit Union are proud to offer their members an incredible car loan rate of just 3.9% (3.97% APR) — designed to give you true ownership, flexibility, and peace of mind.

Unlike Personal Contract Plans (PCPs) or high-interest finance options from other financial providers, Cois Sionna Desmond Credit Union's car loans put you in the driver’s seat — not just for your new car, but for your financial future.

What sets their car loans apart?

•  Ownership from Day One – With a credit union car loan, you own the car outright. There are no mileage limits, no balloon payments at the end, and no confusing small print.
•  No Hidden Fees or Early Repayment Penalties – Our 3.9% (3.97% APR) car loan is straightforward, transparent, and member-focused. If you decide to pay it off early, you’ll save money without penalty.
•  Flexible Terms to Suit Your Needs – We work with you to create a repayment plan that matches your budget. Whether you're upgrading to a fuel-efficient model or going fully electric, we’ll tailor a loan that works for you.
• Local, Personalised Service – As a community-based financial cooperative, we’re here for our members, not for profit. Every application is assessed by people who understand your circumstances — not algorithms or sales targets.
• Support When You Need It Most – Life can be unpredictable. As your credit union, we’re always here to help if your financial situation changes.

Commenting on the launch of the new Car Loan Rate, Cois Sionna Desmond Credit Union's CEO Declan Benson said: "I am delighted to announce the launch of our new Car Loan Rate of just 3.9% (3.97% APR), just in time for the arrival of the 252 car registrations this July.

"At Cois Sionna Desmond Credit Union, we’re committed to offering our members real value, flexibility, and financial control. Unlike PCP finance, our car loans mean you own your car from day one, with no hidden fees or balloon payments. This initiative reflects our continued focus on supporting our community with ethical, transparent lending. We're here to help you drive forward with confidence and peace of mind."

For more information, visit Cois Sionna Desmond Credit Union's website here.