Borrow with Benefits

Ready for a new car? Dreaming of a beach holiday? Finally getting around to those home renovations? Or treating the family to some well-deserved Christmas presents?

Our ethical loans benefit from competitive rates and no hidden surprises.

Apply for a loan





Why borrow from us?

  • Protected - borrow from £250 to £20,000 and enjoy free loan protection insurance*.
  • Transparent – the rate we advertise for your product is the rate you get, irrespective of your circumstances (fixed rate).
  • No hidden fees – no set up fees, admin charges**, or early repayment fees**.
  • Save as you borrow – continue to make regular savings to build up a nest egg for when the loan is paid back.

*terms and conditions apply.
**excluding mortgages.

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.


Am I eligible for a loan?

If you live or work in the East of Scotland, employed by one of our Select Partners or are a member of the trade union Community, then you're eligible to apply for a loan with us.


What is a credit union?

A Credit Union is like a bank but not-for-profit. Any surplus generated is paid back as a dividend to all our members.

We build wealth rather than debt. Our members save a minimum of £15 a month.


What our members say:


Proud partners of:


How much do you need to borrow?

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.

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