What is Cultivate?

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

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

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Please Note

Information correct as of October 4, 2022

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 any of the Cultivate Credit Unions. 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.

How does it work?

Farm Finance Made Easy

Enquiry Form

Fill in our enquiry form below. It only takes a minute.

We'll Call You

A staff member from your local credit union will call you back.

Loan Approved

If all your details are satisfactory your loan will be approved.

Happy Member

Come in and collect your money.

Our Members

Our members are a mix of dairy, beef and sheep farmers accessing farm loans between €5,000 and €50,000. Meet them here.

Who We Are

We are Cultivate

Not a Credit Union member?


Max Loan €


Max Term Years




Credit Unions

What can you afford?

Representative Examples

Terms & Conditions Apply

€10,000 Loan

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

€30,000 Loan

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

€50,000 Loan

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

Cultivate Review 2021

Contact Us

Looking to talk to us about your finance needs? Call us on 1800 839 999

Our Locations

We’re on your doorstep.

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All Cultivate Credit Unions are regulated by the Central Bank of Ireland.

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