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Joint Loans

Many couples, friends or family members choose to take out joint loans to help pay for cars, holidays, home improvements and more.  By applying together, you are linking your circumstances and finances for the purposes of the loan, which may increase the amount of loan you can apply for.

With Capital Credit Union’s Joint Loan:

  • Borrow between £250 and £20,000, over 6 to 60 months
  • Interest rates from 3.9% APR (14.9% APR representative)
  • Save as you pay back your loan leaving you with a small nest egg
  • Free loan protection insurance (Terms and Conditions apply)
  • No set up fees
  • No admin charges*
  • No early repayment penalties**
  • Members can apply for a joint loan even if they already have one

Anyone who lives or works in Edinburgh, the Lothians, Scottish Borders, Falkirk, Clackmannanshire, Fife, Angus and Dundee is eligible to apply for a loan with Capital Credit Union.

CCU Joint Loan features:

  • Each applicant must become CCU members, and will have exclusive access to our services and offers
  • Each applicant will set up a savings account
  • No early repayment charges

What you need to know:

  • How much you can borro is assessed on what you cab both afford
  • We will run a credit check on each member
  • Both applicants are liable to pay of the whole debt.
  • Linking names for a joint loan will create a credit history file

*T&C’s apply.  For further information, refer to our terms and conditions document.