Farmer Friendly Finance

Realise your future growth with a Cultivate loan.

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.

Whatever Your Needs:

Invest in new or second hand machinery

Upgrade your buildings and facilities

Purchase additional livestock

Obtain working capital

Increase cashflow

Cultivate is the financial package for you.

Enquire Now

Start your application today

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Please Note
Information correct as of July 25, 2024

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.

Cultivate Secured

Participating Cultivate Credit Unions are now offering secured loans up to €300,000 up to 30 years.

These are ideal for large scale capital expenditure like new sheds, land purchases and funding of inheritance tax. Get in touch for a personal service and local decision making.

Who We Are

We are Cultivate

Not a Credit Union member?


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% APR

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% APR

Monthly Cost: €742.47

Total Cost: €12,266.85

Cultivate Review 2023

Download the latest Cultivate Review to learn about:

Contact Us

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

Our Locations

We’re on your doorstep.