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Fast Track Loan

Our members deserve great rates.

At Capital we want to make sure you have access to the best products and services.

With our NEW Fast Track loan you can:

  • Borrow between £7,500 - £20,000 at 3.9% APR (3.9% representative APR)

What you need to know:

  • Decision made within 4 hours*
  • Fast Track
  • Only for those with good or excellent credit rating (as per Experian ratings)
  • For members with no outstanding loan balance
  • Up to five years to pay back
  • 5% early repayment charges on outstanding balance

Quote: Fast Track when applying.


* Opening hours: Mon-Fri 9:30-5:00.

The Fast Track Loan is available to members who have been with Capital for a minimum of one month. 

If you are not yet a member of Capital Credit Union, you can join at the same time as applying for your loan.  Please note - you will need to wait one month from joining to receive your loan if approved.

New members can apply at the following rates; 3.9% APR for excellent credit ratings and  4.5% APR for good credit ratings (as per Experian ratings). 

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 finished.

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.