Yes, Clubman, a very interesting question. All I did was use the calculator box on 10 websites borrowing €10,000 over 5 years. My nearest credit union has a 'calculation box' just like all the other 9 institutions. I fed in the amount and 5 year term and got a figure on repayments per month. It came out third behind Tesco and Halifax and just ahead of First Active. Of course one has to take into account the credit union will expect a certain amount to be put into shares thus slowing down possible repayments.