Unwrap Shared Moments This Christmas

It’s that time of year again when you indulge in mince pies, wear your favourite knitted jumper and tear open presents with excitement.

Amongst all the distractions, let’s remember what’s important at Christmas – spending quality time seeing family and friends. In whatever way you can, whether that's in person or virtually.

If you do decide to borrow money, our ethical loans are a safer alternative to payday loans or expensive high street lenders.

So we can help make those special moments more affordable.

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.

Why borrow from us? 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? Am I eligible for a loan?


If you either...

  • Live or work in the East of Scotland

  • Employed by one of our Select Partners

  • 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:


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Christmas hints and tips
  1. Put Black Friday (27th Nov) and Cyber Monday (30th Nov) in your diaries – this is a chance to pick up some bargains.

  2. Stick to your budget. Once you’ve settled on how much to spend, start planning how that will be divided. Don’t make any rash, unplanned purchases.

  3. Value experiences over accessories and conversations over clutter.

  4. Check delivery times for presents and food beforehand so you're not caught out.

  5. Be frugal and become a new member of retailers to take advantage of newbie discounts. Pro tip - use a dummy email account you've set up so you don't get burried under a pile of spam snow.

  6. Think small, gain big. The little things like thoughtful gifts and catching up with the family can bring us the most joy.

  7. Have fun and build fond memories!