Personal Loan

Borrow from £250 up to £20,000 from 3.9% APR to be repaid over up to 5 years.

Apply for a loan






  • Competitive interest rates guaranteed not to change after approval.
  • Flexible loan repayments up to 5 years.
  • Free loan protection insurance.*
  • 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.

*In the event of your death, your loan will be paid off in full (terms and conditions apply).


Personal Loans are available from £250 - £20,000 and new members can apply for a loan as soon as they join. We pride ourselves on clear and transparent rates for all members. There are no hidden surprises and the rate we advertise for your loan, is the rate you get - irrespective of your circumstances.

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. For so long as any part of a loan or interest on it is outstanding, Capital Credit Union shall retain your savings up to the value of the outstanding loan. The value to be retained will be detailed on your loan agreement.


Our current interest rates

Loan Amount APR
£250 to £1,000 42.6%
£1,100 to £1,350 26.8%
£1,450 to £7,500 16%
£7,600 to £10,000 12.7%
£10,100 to £20,000 8.9%


How much do you need to borrow?

At Capital Credit Union, you can apply to borrow as much or as little as you need. It is simple and straight-forward. With no fees and competitive rates, our ethical approach ensures that borrowing money is a carefully thought out process built around affordability.

Use our loan calculator for an overview of your potential loan, including interest rates and repayment options. 

Loan Calculator

We have a loan to suit all your needs

  • or
  • £2500.00
    at 16.00% APR
  • £86.60
    per month
  • 36
    over 3 years
  • £3117.68
  • £617.68

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.