View our loans

Every year we provide thousands of loans to members who use them for different purposes such as holidays, cars, bills, credit card debts, computers, home improvements, just about anything!

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We have a range of affordable loans which are tailored to meet your needs. We monitor our rates to ensure that they are competitive with the high street banks.

You will need to supply one months bank statement and evidence of your income.

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

Payroll Personal Loan

£1,000 – £10,000

From 1.25% Per Month (16.1% APR)
Available to members who repay through their payroll
Loans over £5,000 for home improvements will only be granted to home owners.
1-5 Years
Personal Loan

£1,000 – £10,000

1.75% Per Month (23.1% APR)
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 – £5,000

2.5% Per Month (34.5% APR)
For new applicants, not currently a member or employed by a Citysave payroll partner employer
1-5 Years
Revolver Loan

£500 – £1,500

2.5% Per Month (34.5% APR)
Available to existing members
Once 25% repaid you can 'top-up' to the agreed limit
2 Year Fixed Term

Convenient choice of ways to repay loans:

  • Payroll deduction from participating local employers
  • Direct Debit to make regular payments
  • Benefits to be transferred


Please note on all our loans:

  • Maximum loan length is 5 Years (2 years if the purpose is for a Holiday)
  • Payments are made by bacs transfer or loaded onto a pre-paid debit card for security purposes.
  • There are no hidden costs – we do not charge any arrangement fees or any repayment penalties on any of our loans.
  • Interest is charged only on the amount still to be repaid.
  • All loans are assessed using a range of appraisal tools determined by the Credit Union as appropriate from time to time.
  • We reserve the right to decline applications.
  • We will credit search all loan applications, and we share credit information with credit reference agencies.
  • Members are eligible to apply for more than one loan, but the Credit Union will not accept more than one application in any 1 month period and will not provide more than 2 loans to any member at any one time.

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