Cultivate Farm Loan

What is a Cultivate Farm Loan?

Cultivate is an initiative of a group of over forty Credit Unions that provides short to medium-term loan opportunities built specifically around the growing needs of our our members including dairy, beef and sheep farmers across Ireland. Unsecured Cultivate loans are available up to €50,000. Cultivate Secured Loans are now available from Access Credit Union up to €200,000. These are ideal for large scale capital expenditure like new sheds, land purchases and funding of inheritance tax. Get in touch for a personal service and local decision making.

Straight Forward Farm Loan Application Process

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, limiting your ability to access credit in the future.

Step

1

Become a Member

Once you are living or working within our common bond you are eligible to join us today and start borrowing.

Step

2

Calculate your Loan

Estimate how much you could borrow and calculate your repayments: weekly, fortnightly or monthly using our online calculator.

Step

3

Apply for Loan Online

Apply for your loan from the comfort of your home. Applying for a loan is easy and quick. Apply now!

Step

4

Sit back and relax!

The decisions are made quickly on loan applications and, if is approved, the funds are issued within 48 hours.

Farm Enterprise Package

Whatever your needs are:
  • Invest in new or second-hand machinery
  • Upgrade your buildings and facilities
  • Purchase additional livestock
  • Obtain working capital
  • Increase cashflow
  • Land Purchase
  • Inheritance Tax funding

Farm Loan Calculator / Loan Enquiry

Find a loan with a rate that suits you and apply today or submit an enquiry below!

For secured loan calculations please contact our lending team on 028 21883 or info@accesscu.ie

Cultivate Farm Loans
Maximum Loan Amount :
Maximum Loan Term :


Term

Repayment Frequency
APR
6.75%
Repayments
Total
APR
6.75%
Repayments
Total
APR
6.75%
Repayments
Total
APR
6.75%
Repayments
Total

This calculator is for illustrative purposes only, to give you, the borrower, an overview of the potential cost of borrowing. The Credit Union, or any of its staff, cannot be held responsible for any errors. Please note that this calculator only provides an indicative quote and actual repayments may vary.

Please Note You must either live or work in our common bond area to avail of these loans.

Our Benefits

The benefits of farm loans from Access Credit Union

Easy application process online, by phone or in branch

Flexible loan repayment terms are available to suit your needs

There are no penalties for repaying your loan back early

Extremely competitive interest rates

No hidden fees or charges,
fast & local decisions

Peace of mind with loan protection insurance

Representative example

For your convenience, below is an illustrative example of the costs associated with a Cultivate farm loan of a specific amount created on 01 October 2023.

Loan amount

€20,000

Interest rate - APR

6.75%

Loan term

48 months

Total interest

€2,788.71

Monthly repayment

€474.77

Total cost of credit

€22,788.71

 

Ready to apply?

Documents required when applying for a loan

Employed

Employed

3 Recent Payslips

Self Employed

Self Employed

Set of Accounts

Social welfare

Social welfare

Payment receipts

FAQs

Here you can see a list of our most Frequently Asked Questions about Cultivate Farm Loans.

Cultivate is an initiative of a group of over forty Credit Unions that provides short to medium term loan opportunities built specifically around the growing needs of our farming members. Unsecured loans up to €50,00 over 7 years are available from Access Credit Union , and secured loans up to €200,000 over 25 years.

Cultivate Farm loans farm loans are available up to €50,000 unsecured and Access Credit Union can now offer up to €200,000 as a Cultivate Secured Loan.

6.55% (6.75% APR*) Variable Cultivate Unsecured Farm Loan

5.25% (5.38% APR*) Variable Cultivate Secured Farm Loan

Cooperation is part of our core values. We aim to cooperate with the farmer at each step in developing their farm or farm enterprise, supported by our new FinTech solution Visualyze.