To our Members


Part of the mission of the credit union movement in the UK and worldwide is to improve levels of financial education and inclusion. Therefore we work to benefit our members, helping to provide communities with affordable and appropriate savings and loan products and promoting sound money management.


We encourage regular saving and support members in making financial decisions that are right for their circumstances.


We aim to offer our members a high quality of service at all times. If you are unhappy with the service you have received, please tell us about it, and we will do our best to put things right. If you are still unhappy, you have the right to use our complaints procedure, which can be found here.


Our Loans


We have a duty to all our members to keep their money safe and to our potential borrowers to lend responsibly. All loan applications will be subject to a credit search and an affordability check, the result of which may mean we feel it wouldn’t be responsible of us to lend.


We take into account previous membership history, but there is no automatic entitlement to borrow money, even for long-term members.


If your loan application has been declined and you would like to discuss it further, please call us on 020 8366 8244, option 1 and we will try and answer your questions. Note that you cannot re-apply for a loan within 6 months, unless we have specifically said otherwise, as most reasons for declining a loan will not be resolved earlier than this.


If you are struggling to meet your financial commitments each month, you can find links to free, confidential, non-judgmental advice in the ‘Useful Links’ tab.


We always suggest obtaining a copy of your own credit report if you have been declined due to your history of managing credit to see how it can be improved. You can do this for free, please see the ‘Useful Links’ tab for more information.


If you are having difficulty in meeting your credit union loan repayments, please contact us on 020 8366 8244 and we will do our best to help – don’t ignore the problem, the sooner you get in touch the easier it will be for us to assist you.

Member of ABCUL

Authorised and Regulated by

Your money is protected up to £85,000