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Additional Borrowing

Top-up your existing loan, to a maximum balance of £20,000. 

About our loans: 

  • Lending decisions are based on your individual needs, and are made by a person, not a computer scorecard
  • Quick and easy online application
  • We help you grow your savings alongside your loan repayments
  • FREE loan protection insurance*

When you top-up a loan, we don’t actually add money to it. Instead, we set up a new loan for the remaining balance and the extra amount you want to borrow. Then we pay off your old loan from that total, take a £50 administration cost from your savings secured against the loan and transfer the new amount into your account.

The new loan may have a different interest rate from your initial loan, and the term might be different too. This may mean that you could pay more or less interest than before.

Members continue to meet their regular savings at the same time as repaying their loans, building up a nest egg for when the loan is paid back.

As a responsible lender, all loan decisions at Capital Credit Union are made based on your income, expenditure and ability to repay.

In order to comply with money laundering regulations, before we provide any service, we may search the records of one or more registered credit reference agencies who will provide us with information from the Electoral Register and any other data appropriate to the search.

*terms and conditions apply