Back to School Education Loans

back to school loans

Start Smart Primary and Secondary Back to School Loans

back to school loans

Back to School time can be a strain on parents financially. Covering all the school costs can be very difficult, especially if there is more than one child to consider.

  • Parents of primary school children are spending an average of €949* per child.
  • It is estimated it’s costing €1,399* per child for back to school supplies, for Secondary School Level.

Here at Tipperary Credit Union, we have put together a Start Smart Education Loan Package, for our members to help with the cost of back to school.

We believe that our members should have one less thing to worry about. Tipperary Credit Union Start Smart Education Loans have an APR of 6.6%,
making them one of the most competitive interest rates available.

Key Benefits of a Start Smart Education Loan

  • Join and apply for a loan on the same day
  • Competitive loan rate
  • Easy application process
  • Flexible repayments designed to suit your needs
  • Free Loan Insurance (Terms & Conditions Apply
  • No penalty interest for early settlement of loans
  • Repayments can be made weekly, fortnightly or monthly
  • Option to pay by Direct Debit

What are the terms and conditions for a Start Smart Education Loan?

  • The maximum loan amount permitted is €750 per school going child.
  • Confirmation will be required that the child is/will be attending either primary or secondary school.
    The following are acceptable forms of documentation: birth certificate, letter from school, book list.
  • The loan product may only be applied for between June and September.
  • Loan must be paid back by the 31st of July of the following year.
  • Normal lending terms and conditions apply. The parent/guardian must supply proof of income, proof of ID,
    proof of address (must be dated within the last 3 months) and proof of PPS number at loan application stage.

How to apply?

Loans are subject to approval. Terms & 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. Tipperary Credit Union is regulated by the Central Bank of Ireland.

*ILCU, 2019, ‘How to Apply for a Back to School Credit Union Loan’, 23/07/2019.


For information on our Third Level Education Loans click on the link: Smart Start Third Level Loans