What is Cultivate?

Cultivate is a Loan Specifically Designed for Farmers. Cultivate provides short to medium term loan opportunities built specifically around the growing needs of our farming members.

Cultivate is our agri lending product that enables us help our farming members develop and future proof their business by providing quick and easy access to finance – borrow up to €50,000 for up to 7 years at a variable interest rate of 6.55%, typical APR 6.75%.

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?

  • Free Loan Protection Insurance, if the borrower dies the loan is cleared – subject to age & health restrictions.
  • Choice of repayment options to suit your circumstances.
  • Interest is charged on the reducing balance of the loan.
  • No penalty charges for early repayment.
  • No hidden fees or set up costs.
  • No upfront repayments.
  • No transaction charges.

Calculate Your Loan Repayments



Cultivate Loan - 6% (6.75% APR)








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Please Note

All figures given on this web site are for your general information only, and give a rough guide to loan repayments. Any statements on this web site do not purport to be authorative or legally binding. Ballinasloe Credit Union accepts no responsibility for errors due to changes in rates or offers which have occurred after this date. You are advised to check with our offices for up-to-date rates and offers.

Quick Loan Approval





All Loans are subject to approval.

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.