Warrington MoneyBox The Gateway to Warrington Credit Unions
Warrington MoneyBox The Gateway to Warrington Credit Unions

Need a loan

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Competitive Loan Rates

Traditional Loan

From 17 October 2017 our interest rates (charged monthly on the reducing balance) are:

Loans < £1000 = 2% (26.8% APR)

Loans £1000 - £2999 = 1.5% (19.6% APR)

Loans £3000+ 1.0% (12.7% APR).  The maximum loan value is £5000.

If you can get a better written quotation from a reputable lender then bring it in and talk with us.  We may be able to match it. 


Borrow £500 for a year and you will repay £10.94 per week (total paid £568.31 = 26.8%  APR). 

Compare this to a well known doorstep lender who will  charge you £18.00 per week (total paid £936.00 = 299.3% APR).

Just think what you could do with the £368 you would save by taking out a Credit Union Loan.

You need to be a member and once you have saved for 10 or more weeks you are eligible to apply for a loan.  We don't take out credit references in many cases (but may ask for them if appropriate) and will lend money based on your ability to repay.  Typically your first loan would be up to £300 more than you have saved and the amount you can borrow will increase as you repay your loans on time.  Last year we lent more than £100,000 to more than 100 people. We give loans

  • tailored to your individual needs
  • from as little as £100

Secured Loan 

Available from 1 Dec 2019.  This loan is for members who have saved regularly and have built up their savings.  You can borrow up to the value of your savings (maximum loan £7000).  You must keep your savings value above your loan value at all times so withdrawals are limited to the value of savings greater than loan.  You will pay interest at 0.5% (charged monthly on the reducing balance) which is 6.17% APR.

Want to apply for a loan?

Loans are only available to Members.

Members should email us at warringtoncreditunion@gmail.com or go into any collection point to make your application.  This will be considered within 7 days.

While Warrington Credit Union make every effort to keep this website up to date we make no claims about completeness or accuracy. In certain places Warrington Credit Union provide links to other websites as a service to our visitors, but we do not accept any responsibility for the content or suitability of these sites. Warrington Credit Union do not guarantee that such sites, content, information, products, or services are devoid of viruses or other contamination