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Castlebar Credit Union has launched a new campaign to promote more sustainable loans and personal finance arrangements in a bid to help people steer clear of moneylenders and payday loans.

Going to college is an exciting time but it can also be very stressful for both students and parents alike. The increase in the third level registration fees combined with the very significant day to day costs of going to college are forcing many to borrow in order to meet these costs, according to Castlebar Credit Union.

No gimmicks, no extra charges

ANGLO IRISH Bank secured an order for possession this week at the High Court for six acres of scrubland in Co Galway used to secure loans totalling more than €2.1 million.

Recent reports in the national media suggest that some credit unions may no longer be in a position to lend to their members due to restrictions imposed on them by the Central Bank. While certain credit unions may find themselves in the unenviable position of having to say no to members seeking loans either because the credit union has reached their monthly quota or the amount sought is above the lending discretion of the credit union, this is certainly not the case for Athlone Credit Union Limited , who are very much open for business.

Mortgage arrears

No matter what your education or career goals are, it is helpful to begin preparing early. Castlebar Credit Union encourages starting a savings account from a young age. However sometimes savings may not be enough to cover all educational costs, particularly at third level.

A Galway property developer who has unsuccessfully tried to sell properties for more than two years so as to meet loan repayments is in the same situation as many people coming daily before the Commercial Court, a judge remarked yesterday (Wednesday)

There are many reasons to choose Castlebar Credit Union if you are looking for a car loan, if you are looking to upgrade or get your very first set of wheels. You can shop around for the car you want, you have the bargaining power. Car loans have free life cover at the great interest rate of 7.5 per cent (7.78 per cent APR). Repayment terms can be up to five years. The interest is not front-loaded and repayments are calculated on the reducing balance of the loan. So the quicker you reduce the principle the cheaper the loan will be. If you are able you can repay the loan earlier with no penalty, and additional lump sum repayments are accepted with no penalty. All loan rates are fixed and the repayment remains the same for the term of the loan, there are also no hidden fees or transaction charges so you know exactly what you have to repay and when. Castlebar Credit Union also offers payment protection insurance as an optional extra.

There is good news for mortgage holders from the Financial Regulator, according to Minister for Labour Affairs Dara Calleary.