Loans designed to fit your individual needs

Anyone who lives or works in the East of Scotland, is employed by one of our select partners or a member of the Community Trade Union, is eligible to apply for a loan with Capital Credit Union.



  • Continue to make regular savings as you borrow
  • No set up fees
  • No admin charges (excluding top-ups to some existing loans)
  • No early repayment penalties
  • New members can apply as soon as they join

*In the event of your death, your loan will be paid off in full (terms and conditions apply).



How much do you need to borrow?

At Capital Credit Union, you can apply to borrow as much or as little as you need up to a maximum of £20,000. It is simple and straight-forward. With no fees and competitive rates, our ethical approach ensures that borrowing money is a carefully thought out process built around affordability.

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. Savings to the value of the loan will be held as security and cannot be withdrawn until the loan has been repaid.

Use our loan calculator below for an overview of your potential loan, including interest rates and repayment options.


Already a member?

Not a member yet?



Loan Calculator

We have a loan to suit all your needs

  • or
  • £2500.00
    at 8.90% APR
  • £78.94
    per month
  • 36
    over 3 years
  • £2841.91
  • £341.91

This summary is for illustrative purposes only, so as to give you, the borrower, an overview of the potential cost of borrowing.  Capital Credit Union cannot be held responsible for any errors or omissions. Please note your final payment may be at a reduced amount.

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