Borrow against your savings with our Loyalty Loans

Maintain your savings and continue to attract a dividend* each year with our Loyalty Advance Loan and Loyalty Plus Loan, and borrow against your existing savings with Capital Credit Union at our most competitive rates.


Loyalty Advance Loan

Members with over £250 savings can use these savings as security to borrow at 3.9% APR – our lowest interest rate. Apply directly via e-mail at or via phone on 0131 225 9901.


Loyalty Plus Loan

A loan that is double your current savings balance (from £1,250 to £5,000). Secure a highly competitive rate of 6.2% APR and borrow against your savings. Apply now


Loan Loyalty Advance Loan Loyalty Plus Loan
Membership Yes Minimum 12 months
Savings Amount From £250 From £1,250 to £5,000
Repayment Period 15 years 5 years
% APR 3.9% 6.2%
Life Savings Insurance Yes Yes
Loan Protection Insurance Yes Yes
Top up an existing loan** Yes Yes
Set up fees No No
Administration fees No No
Early repayment penalties No No


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.

As a responsible lender, all loan decisions at Capital Credit Union are made based on your income, expenditure and ability to repay.

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.

*Interest Savings Accounts may be paid an annual dividend based the previous years profitability. 

**Subject to loan terms and conditions.