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'One' Consolidation Loan

One loan. One repayment. One solution.

Our One Consolidation Loan gives you the chance to bring together all of your credit card, store card, loan and overdraft payments into one monthly repayment.


With the One Consolidation Loan, we can lend members:

  • up to £20,000 at 19.6% APR
  • to be repaid over up to five years


The One Consolidation Loan is available to

  • members aged 18 years and over
  • who have been in continuous permanent employment for at least two years
  • who have a minimum savings balance of £300
  • who are homeowners with equity in their property


The One Consolidation loan includes:

*excluding Fast Track loan


The One Consolidation Loan is approved subject to interview, and applicants will be asked to provide up-to-date creditor statements and proof of all income and expenditure.

Funds are paid directly to creditors.


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.