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. Use our handy farm loan calculator or talk to us about a great value, flexible farm loan.
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.
Become a Member
Once you are living or working within our common bond you are eligible to join us today and start borrowing.
Calculate your Loan
Estimate how much you could borrow and calculate your repayments: weekly, fortnightly or monthly using our online calculator.
Apply for Loan Online
Apply for your loan from the comfort of your home. Applying for a loan is easy and quick. Apply now!
Sit back and relax!
The decisions are made quickly on loan applications and, if is approved, the funds are issued within 48 hours.
Farm Loan Calculator / Loan Enquiry
Find a loan with a rate that suits you and apply today or submit an enquiry below!
Maximum Loan Term :
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.
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
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 2022.
Interest rate - APR
Total cost of credit
Ready to apply?
Documents required when applying for a loan
3 Recent Payslips
Set of Accounts
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 at 6.55% * (6.75% APR).
We understand the difficulties farmers, particularly young farmers, have in accessing funds, so we make farm loans available up to €50,000 unsecured and Access Credit Union can also offer up €120,000 secured.
6.55% (6.75% APR*) Variable Cultivate 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.