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Joint Loans

Many couples, friends or family members choose to take out joint loans to help pay for cars, holidays, home improvements and more.  By applying together, you are linking your circumstances and finances for the purposes of the loan, which may increase the amount of loan you can apply for.

With Capital Credit Union’s Joint Loan:

  • Borrow between £500 and £20,000, over 6 to 60 months
  • Interest rates from 3.9% APR (14.9% APR representative)
  • Save as you pay back your loan leaving you with a small nest egg following loan completion
  • Free loan protection insurance (Terms and Conditions apply)
  • No set up fees
  • No admin charges*
  • No early repayment penalties**
  • Members can apply for a joint loan even if they already have an existing individual loan

Anyone who lives or works in Edinburgh, the Lothians, Scottish Borders, Falkirk, Clackmannanshire, Fife, Angus and Dundee is eligible to apply for a loan with Capital Credit Union.

Look at what you could save...
Based on a £3,000 Joint Loan repayable over 3 years*
All figures shown in the illustration below are correct at 16/08/17 - as advertised on Capital Credit Union, Royal Bank of Scotland and Bank of Scotland websites.

  APR Representative Monthly Repayment Total Repayment

Capital Credit Union Rate



Royal Bank of Scotland




Bank of Scotland








  • Free loan protection insurance**
  • Quick and easy application process
  • Decisions made by people, not computers
  • No set up fees

* Depending on your circumstances, other rates apply. **Terms and Conditions apply. Excludes Fast Track Loan.

CCU Joint Loan features:

  • Both applicants will become CCU members, and will have exclusive access to our services
  • and offers
  • Both applicants will set up a savings account each and save alongside their loan
  • No early repayment charges

What you need to know:

  • How much we can approve is based on the joint circumstances of both applicants
  • Both members will be credit checked
  • When applying to take out a joint loan, both applicants agree to pay off the whole debt – even if the other person doesn’t/can’t
  • Linking names for a joint loan will create a joint credit file – so future credit searches will find the joint credit history

T&C’s apply.  For further information, refer to our terms and conditions document.