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Loans | Capital Credit Union
Loans

Fair loans.
Built around you.

From everyday expenses to greener choices, we have a loan for it. Clear terms, fixed repayments, and no hidden fees.

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Our loans at a glance

Personal Loans
£2,500 to £25,000. Up to 7 years.
Car Loans
Finance a new or used car. Fixed monthly repayments.
See all loan types
Home improvement, green, loyalty and more

All loans subject to credit assessment and affordability checks. Membership eligibility criteria apply.

Our loan products

Borrow for what matters most

Eight loan types, one application process. Fixed repayments, no setup fees, and no early repayment charges.

Personal

Personal Loans

For life's bigger moments and unexpected costs. Borrow £2,500 to £25,000 over up to 7 years.

See rates & apply

Car loan

Car Loans

Finance a new or used car with fixed monthly repayments and no early repayment charges.

See rates & apply

Home

Home Improvement Loans

Upgrade or add value to your home without touching your mortgage. £3,000 to £15,000 over up to 5 years.

See rates & apply

Season ticket

Football Season Ticket

Spread the cost of your season ticket over comfortable monthly instalments, up to 12 months.

See rates & apply

Golf

Golf Membership

Spread the cost of club membership. Repayments up to 12 months with no arrangement fees.

See rates & apply

Green

Green Loans

EV, solar panels, heat pump or insulation. £7,500 to £25,000 at a competitive rate.

See rates & apply

Loyalty

Loyalty Loans

Our best rate, for members who continue to save while they borrow. Up to £25,000.

See rates & apply

Legal

Legal Services

Cover professional legal fees with a clear repayment plan. £500 to £25,000.

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All loans subject to credit assessment and affordability checks. Rates vary by product and individual circumstances. See each product page for representative APR examples. Membership eligibility criteria apply.

Why borrow with us

Fair lending. Every time.

Member benefit

Free loan protection included

As a Capital member, you receive free loan protection insurance up to a defined age. If you were to pass away with an outstanding balance, the insurance can repay your loan in full, giving you and your family peace of mind.

Subject to eligibility and policy terms.

Find out more

We look at the whole picture

We assess income, outgoings and circumstances, not just a credit score. If something does not fit, we will tell you honestly rather than just declining.

Profits back to members

As a member-owned credit union, any surplus goes back into better rates and services for you, not to outside shareholders.

How it works

From application to payout

1

Apply online in minutes

You can apply for a loan and join Capital at the same time. Everything is done in one place online. No separate steps, no waiting around before you can get started.

2

Choose your loan

Pick the product that fits your need, choose the amount and repayment term that works for your budget, and submit your application.

3

We review your application

We assess your income, outgoings and overall situation. We may be in touch if we need anything further.

4

Receive your decision

You will hear back promptly. If we can help, we approve your application in principle and send you a credit agreement confirming your exact rate and monthly repayment. This offer is subject to a few final checks.

5

Money in your account

Once you sign and return your agreement, we complete those final checks. When they are passed, funds transfer directly to your bank. Very occasionally a check means we cannot proceed, and we will always tell you why. Repayments are then collected on the schedule set out in your loan agreement.

Responsible lending: We only approve loans we believe you can comfortably afford. All applications are subject to credit assessment and affordability checks. Membership eligibility criteria apply.
Common questions

Answers to
common questions

Quick answers to what we get asked most about our loans. For anything specific to your situation, just get in touch. We are happy to talk it through.

Speak to us →
Yes. All Capital Credit Union loans are available to members. You can join as part of the loan application process. Membership eligibility criteria apply.
A full application includes a credit check, which leaves a footprint on your credit file. Speak to our team before applying if you have questions about eligibility.
Yes. You can make overpayments or settle your loan in full at any time with no early repayment charge. Contact us for a settlement figure.
Interest is calculated on a daily reducing balance. As your balance falls, so does the interest charged, so you only ever pay interest on what you still owe.
No arrangement fees and no early repayment charges, unless stated otherwise for a specific product. The rate and total cost are always confirmed before you agree.
Members receive free loan protection insurance up to a defined age. This can help repay your outstanding loan balance in the event of your death. Subject to eligibility criteria and policy terms. Find out more about loan protection.
Ready to apply?

Your loan, sorted.

Find the right product, apply in minutes, and get a decision without the run-around.

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All loans subject to credit assessment and affordability checks. Membership eligibility criteria apply.