Cultivate Agri Loan is a loan specifically designed for Farmers and is an initiative of a group of Credit Unions that provides short to long term loan opportunities built specifically around the growing needs of our farming members. Cultivate enables us help our farming members develop and future proof their business by providing quick and easy access to finance – borrow unsecured up to €100,000 for up to 10 years at a variable interest rate of 6.55%, typical APR 6.75% and borrow secured up to €300,000 for up to 30 years at a variable interest rate of 5.25%, typical APR 5.38%.
- Invest in new or second-hand machinery.
- Upgrade your agri buildings and facilities.
- Purchase additional livestock.
- Access to working capital
Flexible repayments
Interest is charged on the reducing balance of the loan
No penalties for early repayment
No transaction, administration or set up costs
Loan Protection Insurance provided at no extra cost. If the borrower dies the loan is cleared (subject to terms and conditions, age and health restrictions)
Representative example
Fair pricing from your local credit union!
Cultivate Agri Unsecured Loan
- Amount: €75,000
- Loan Rate: 6.55% (APR 6.75%)
- Loan Term: 10 years (120 months)
- Monthly repayment: €853.64
- Total cost: €27,430.22
- Total amount: €102,430.22
Cultivate Agri Secured Loan
- Amount: €200,000
- Loan Rate: 5.25% (APR 5.38%)
- Loan Term: 15 years (180 months)
- Monthly repayment: €1,607.95
- Total cost: €89,412.30
- Total amount: €289,412.30
Examples correct as at 02/04/2026
How do I enquire?
What you need to avail of our incredible offers.
Because of the typical transaction size, we are available by appointment to meet you to discuss your Cultivate Agri Loan proposal in any of our offices in Achill, Balla, Ballyhaunis, Castlebar, Kiltimagh or Swinford. Please contact a member of our lending team on 094 9022969 or email loans@fccu.ie.
Further Cultivate information can be found on: www.cultivate-cu.ie
Not yet a Member? Not a problem
You can open your account and apply for a Cultivate Agri Loan the same day!
Ready to apply?
Please note: You must be at least 18 years old to apply for a loan.
Have questions or need assistance?
Email: loans@fccu.ie
Call: 094 902 2969
