A loan made for
your home project
Fair, ethical lending from a credit union owned by its members. Borrow £3,000 to £15,000 to upgrade or add value to your home without increasing your mortgage.
Membership eligibility criteria apply. Loans subject to status and affordability. *Free loan protection insurance is subject to eligibility criteria and policy terms.
Representative example: borrow £7,500 over 60 months, you would make 60 monthly repayments of £148. Total amount repayable would be £8,889. 6.9% APR (fixed). The maximum APR you will be offered is 36%.
Eligibility check
Check your chances of being approved for a loan. Answer a few questions to check your eligibility, and don't worry, this won't affect your credit score.
A home improvement loan is open to members and to anyone eligible to join. Check you meet the basics, then use the calculator to see what your repayments could look like.
Important: If you proceed with a full loan application, we will carry out a hard credit check. A hard credit check will be recorded on your credit file and may be visible to other lenders. This could affect your ability to obtain credit elsewhere.
Aged 18 or over
At least 18 years old.
A UK resident
Living in the UK, with a UK bank account.
A member, or eligible to join
Membership is generally open to people who are employed. Join as you apply.
A regular income
So we can check the loan is affordable.
Recent serious adverse credit history may affect eligibility
Arrears, CCJs, Trust Deeds, defaults or bankruptcy may all impact eligibility.
Able to show affordability
A real person reviews every application.
Rates by loan amount
All our home improvement loans are fixed rate, with no arrangement or early repayment fees. The rate we offer is based on our assessment of your application. Borrow only what you need and can comfortably repay.
Rates are fixed for the life of the loan. At least 51% of approved members receive the representative APR or lower. Your actual rate may vary based on our assessment. The maximum APR you may be offered is 36%. Subject to status and affordability. Membership eligibility criteria apply.
See what your loan could cost
Adjust the sliders or click any value to type an exact amount.
Illustrative estimates only and do not constitute an offer of credit. Figures are rounded to the nearest pound, so totals may not exactly equal monthly repayment × term. Exact amounts appear on your loan agreement. At least 51% of approved customers receive the representative APR or lower. Your actual rate may vary. The maximum APR you may be offered is 36%. Loans subject to status, affordability and eligibility. Missing payments could increase the total amount payable and may affect your credit file. Membership eligibility criteria apply.
Lending that puts members first
A real person reviews your application
Not just a credit score. Our lending team looks at the full picture to find repayments that genuinely work for you.
No hidden fees, ever
No arrangement fees. No early repayment penalties. The rate you are quoted is the complete cost of your loan.
Free loan protection insurance
Included with your membership. If you pass away, the outstanding balance is cleared. Subject to eligibility and policy terms. View full details.
Fast, responsible decisions
If you're eligible and apply online, once approved in principle and your signed agreement passes our final checks, funds could reach your account the next day.
Repay your way
Direct debit or payroll deduction. Pay off early or make overpayments at any time with no penalty.
Member-owned
No shareholders. Any surplus we generate is reinvested for the benefit of members, not external investors.
Bring your project
to life
Our home improvement loan supports renovations, repairs and refreshes. A single room or a whole home, we are here when you need it.
Straightforward from start to finish
New members and existing members are both welcome to apply. The process is simple.
Join Capital Credit Union
New members can join and apply for a loan at the same time. Our process is straightforward and everything can be done online.
Submit your application
Tell us how much you need, over what term, and what the funds are for. Apply securely online through your member account.
We review it personally
Our lending team assess your income, outgoings and ability to repay. If we can help, we approve in principle and send you a credit agreement to sign.
Funds in your account
Once you sign and return your agreement, we complete a few final checks. When those are passed, the money is transferred. Very occasionally a check means we cannot proceed. You then repay monthly by direct debit.
A loan built around your project
Fair rates, no hidden fees, and a real person in your corner.
Loans subject to status and affordability. Membership eligibility criteria apply.