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Loyalty Advance Loan

Borrow against your savings at 3.9% representative APR.

Members with over £250 savings can use these savings as security to borrow at 3.9% APR – our lowest interest rate.


With a Loyalty Advance Loan, we can lend members:

  • up to £20,000 at 3.9% APR
  • to be repaid over up to fifteen years


Loyalty Advance Loans include:

*excluding Fast Track loan


This loan is available to members who have at least £250 in their savings. Savings to the value of the loan will be held as security and cannot be withdrawn until the loan has been repaid.

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.