Benefits of Taking Out a Loan

Whether you're looking to borrow to help with your household expenses or for a larger purchase, we have the right personal loan to suit you. We've made it easy to borrow as little as £150 or up to £15,000 at a fair, affordable rate with no application fees and no early repayment charges.

By putting people before profit, we aim to provide loans to as many of our members who need them, helping to free you from a cycle of costly debt.

Before going to another loan provider, or using a credit card, please get a quick quote from us, and check out the fantastic benefits associated with a Manchester Credit Union loan:

Quick and convenient

Once your loan is approved, the money can be in your account on the same day.


Interest is only paid on the reducing balance, and there are no penalties for paying your loan back early; in fact you will pay less interest too!


We will assess your ability to repay the loan based on knowing your circumstances not just your credit score. You will be assessed by a person, not a computer


Repayments can be tailored to suit your budget and can be made weekly, fortnightly or monthly.

No hidden costs

There are NO set up fees and NO early settlement fees.

Credit Reference Agency Information Notice (CRAIN).

Credit reference agencies play a key role in the UK’s financial ecosystem. This document explains how they obtain, process and share personal data about consumers and businesses.

In addition to reviewing this document, we recommend reviewing each credit reference agency’s own information notices, which explain the specific processing activities of that credit reference agency. Links to these documents can be found in section 14.

Click here to see full CRAIN document