Cultivate Farm Loan

What is Cultivate?

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.

Loan Application Process

Easy & Quick application process

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

Loan Calculator / Loan Enquiry

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

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 borrowing 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 loan of a specific amount.

Loan amount

€5,000

Interest rate - APR

6.75%

Loan term

12 months

Total interest

€180

Monthly repayment

€432

Total cost of credit

€5,180

 

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 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.