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.

Apply now!

See a full list of our current select partners here.


Benefits of borrowing from Capital Credit Union

  • Competitive interest rates guaranteed not to change after approval
  • Flexible loan repayments up to 5 years
  • 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
  • Free loan protection insurance

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

Personal Loans are available from £250 - £20,000 and new members can apply for a loan as soon as they join. We pride ourselves on clear and transparent rates for all members. There are no hidden surprises and the rate we advertise for your product, is the rate you get - irrespective of your circumstances.

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 Savings to the value of the loan will be held as security and cannot be withdrawn until the loan has been repaid.


How much do you need to borrow?

At Capital Credit Union, you can apply to borrow as much or as little as you need. 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.

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


Loan Calculator

We have a loan to suit all your needs

  • or
  • £2500.00
    at 16.00% APR
  • £86.60
    per month
  • 36
    over 3 years
  • £3117.68
  • £617.68

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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