Credit Union loans are very competitive and straightforward. 

Use the loan calculator to see what you can afford.  Repayments will be rounded up to the nearest pound.

Why is a Credit Union loan better?
*   Very competitive rates of interest

*   Repayments calculated on the reducing balance of the loan
*   Repayment terms to suit your particular circumstances
*   No other charges or fees;
    Additional lump sum payments accepted with no penalty
    Flexibility to make larger repayments than agreed without penalty

*   Free life insurance [subject to conditions]

Compare our rates with your store card, credit card or the exorbitant rates charged by a doorstep lender.  

Loan Provider	Headline APR	Payment per Month/week	Total Interest	Total to repay
FLM loans*	42.6%	£100.47 P/month	£100.47	£1206.00
Natwest Bank**	27%	£94.63 p/month	£135.56	£1135.56
Provident Personal Credit***	160%	£24 p/week	£944.00	£1944.00
Cardiff & Vale Credit Union	21.7% on a reducing balance	£93.00 p/month	£109.93	£1109.93

      Sources: * www.moneysupermarket.com, ** http://www.natwest.com/personal/loans.ashx, ***http://www.providentpersonalcredit.com/#