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Local Farm Finance

Cultivate is an initiative of 4 Galway Credit Unions that provides short to medium term loan opportunities built specifically around the growing needs of our farming members.

Cultivate is our newest product that enables us to build a relationship with our farming members to help develop and future proof their business by providing quick and easy access to finance.

Whatever your needs:

  • Invest in new or second hand machinery
  • Upgrade your buildings and facilities
  • Purchase additional livestock
  • Obtain working capital
  • Increase cashflow

Why choose Cultivate:

  • Simple and quick loan application process
  • Loan repayments scheduled to suit you
  • No fees
  • Life savings and loan protection insurance provided at no extra cost
  • Competitive interest rate

€10,000 Loan


Per Month

  • Loan Amount: €10,000
    Loan Term: 5 Years
    Rate: 6.75% APR
    Monthly Cost: €195.01
    Total Cost: €1745.57

€30,000 Loan


Per Month

  • Loan Amount: €30,000
    Loan Term: 6 Years
    Rate: 6.75%
    Monthly Cost: €504.30
    Total Cost: €6247.68

€50,000 Loan


Per Month

  • Loan Amount: €50,000
    Loan Term: 7 Years
    Rate: 6.75%
    Monthly Cost: €742.47
    Total Cost: €12,266.85

Enquire Now

Start your application today



24 Months

Representative Example


Weekly Repayment €

Total Cost €

Monthly Repayment €

Total Cost €

Contact Details


Please Note

Information correct as of 15/09/2019

Whilst every care has been made in the production of this information, it is for illustrative purposes only and to give you an overview of the potential cost of borrowing at Ballinasloe Credit Union. It does not constitute a loan offer. 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.