Affordable loans
tailored to your needs

  • Fair APR
  • No hidden costs
  • No early repayment penalties

Apply online

Affordable loans for any purpose with a convenient choice of ways to repay.

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Find a loan and apply online today.

Take advantage of our fair priced loan products. With no arrangement fees or penalties for early repayment, we have a range of affordable loans which are tailored to meet your needs.

Check if you are eligible Check which loan types are suitable for you

On this page:

0121 616 6200

Please call if you are unsure which type of loan you are eligible to apply for

Citysave loan calculator

Use the calculator below to work out how much your loan repayments are likely to be.
Simply enter the amount you wish to borrow, over how many months and the repayment frequency.

Our loans

You can apply for loans for different purposes such as holidays, cars, bills, credit card debts, computers, home improvements, just about anything!

We monitor our rates to ensure that they are competitive.

Payroll Personal Loan

£500 – £10,000

From 1% Per Month (12.7% APR)*

*Subject to status

Available to people who work for one of our payroll partners

Loans over £5,000 for home improvements will only be granted to home owners.

1-5 Years

Personal Loan

£500 – £7,500

From 1.75% Per Month (23.1% APR)*
*Subject to status
For existing members unable to pay by payroll deduction
Loans over £5,000 for home improvements will only be granted to home owners.
1-5 Years
Welcome Loan

£500 – £3,000

From 2.5% Per Month (34.5% APR)*
*Subject to status
For new applicants, not currently a member or employed by a Citysave payroll partner employer
1-5 Years


Can I have more than one loan?

Members are eligible to have more than one loan, but the Credit Union will not accept more than one application in any one month period and will not provide more than two loans to any member at any one time.

How much can I borrow?

The maximum total borrowing at any one time is £10,000 per member.

How long do I have to repay?

Maximum loan length is 5 Years (2 years if the purpose is for a Holiday)

How do I receive the money?

Payments are made by bacs transfer or loaded onto a pre-paid debit card for security purposes.

Are there any costs to apply for a loan?

There are no hidden costs – we do not charge any arrangement fees or any repayment penalties on any of our loans.

How do you know if I'm suitable for a loan?

All loans are assessed using a range of appraisal tools determined by the Credit Union as appropriate from time to time.  We will credit search all loan applications, and we share credit information with credit reference agencies under our privacy policy. We reserve the right to decline applications.

What ways can I repay my loan?

When will I know if my application was successful?

Once we have all the information for your loan assessment, we aim to come back to you with a decision within two working days. We may ask for evidence of income.