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Borrowing with benefits...

Our sole source of revenue is the interest we charge on loans. 

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

However, because we have no external shareholders, that profit is made purely for you – it’s how we lend to other members in the future.

It’s a really simple model. But it works.

We offer a range of products, from our standard Personal Loan, to our unique First Time Buyer Match loan, designed to help get your foot on the housing ladder.

All of our loans include:

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.

*excluding mortgages  **excluding mortgages


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.

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