Green Loan

Finance your green ambitions and help us plant trees for a brighter future!

At Capital Credit Union, we share your passion for the sustainability of our planet. We are proud to have developed a personal loan tailored to support your efforts towards Net-Zero and our commitment to make a tangible difference.

Planting hope for the future

As a community-centred cooperative, we like to think that we not only talk the talk but also walk the walk. That's why we have set up the CCU grove, an initiative aimed at participating in the rewilding of our beloved highlands.

The concept is simple: for every single green loan taken, we will donate a tree. 

We are in it together.



What can I use this loan for?

According to the European Commission, green products and services should help save energy, be free of toxic compounds, be made of recycled or reused materials, be durable and easily repaired and minimise environmental impact during a product’s entire life cycle.


Qualifying products and services

  • Insulation
  • Double glazing
  • Solar Panels
  • Switching to renewable energy
  • Heat pumps
  • Home ventilation system
  • New or second hand hybrid cars
  • New or second hand electric cars
  • Purchase and installation of a charging station
  • New or second hand electric bike
  • New or second hand electric scooter
  • LED lighting
  • Rain water tanks
  • Boiler upgrade


Loan Conditions

Borrowing amount £1,000 up to £20,000
Repayment Period Minimum 12 months


Illustrative Example

Borrow £12,000 at 3.9% APR with monthly repayments of £353.22.

Green loan amount £12,000
Repayment period 36 months
Monthly repayments £353.22
% APR 3.9%



  • 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).


Loan assessment 

As this is a loan funding personal projects with environmental benefits, you will be asked to provide a quote of your qualifying purchase/service. Alternaltively, we can arrange to pay your provider directly.

The rate, the repayment, and the amount of interest charged will be confirmed in your loan agreement.

The rate offered will depend on our assessment of a number of factors including:

  • loan amount
  • your personal circumstances
  • your credit history


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.