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Low Cost Loans

We offer loans of up to £25,000 above savings, starting from just 2.9%apr, or small loans to tide you over until payday.

Join Now to take advantage of our great rates

Credit Card Balance Transfers

If you have outstanding balances on a credit card then talk to us about transferring the balance and saving some money.



Save Money With Your Child Benefit

You can have your child benefit paid to any of your credit union savings or loan accounts



Preparing For Your Loan Application

Here are some top tips to increase the likelihood of your loan being approved. We encourage members not to request a loan within 6 months of your previous application.





Secure Ethical savings

We want to make money work for our members. You can start a regular savings plan from your salary/bank or make a lump sum deposit and know that your money is being used to provide a real and meaningful alternative to the very high interest rates charged by most lenders, particularly to the poorest in our communities.

Deposit your money safe with us in the knowledge that it is benefiting thousands more people escape from debt. You can save as little or as much as you like, though we recommend at least £20pcm or £5pw.


We offer loans of up to £25,000 above savings starting from just 2.9% apr, or small loans to tide you over until payday. You can apply for a loan straight away, but we reward you with even lower interest rates if you have saved with us first.

Unlike other lenders we will not judge you if you have had financial problems nor will we encourage you to borrow more than you need or can afford. You do not have to come into the office, simply register for online access then you can submit your low cost loan application and approve the loan agreement online and we will transfer the funds direct to your bank account.



We’re not just a credit union. We’re your partner. Becoming a member means never facing a financial decision alone.



Your success is our success. We’re committed to providing you the tools and resources to help you achieve your goals.


Our application process is simple. Access our services from your laptop or phone 24 hours a day, every day.


LCCU member wins top prize

LCCU member wins top prize

Meet the lucky winner of the January top prize of £5,000 with the Credit Union PrizeSaver Account.  Kuda Dimbi, who works as the training & development lead at East London NHS Foundation Trust, joined the salary savings scheme in 2020 when she needed to borrow...

Credit Union alternative to credit cards

Credit Union alternative to credit cards

Credit card borrowing is rising at its fastest annual rate in nearly two decades, as growing numbers of households get into debt. To avoid creating your own debt crisis, why not ditch your credit card and use our Credit Union alternative instead? The Credit Union’s...

Follow the Credit Union on social media

Follow the Credit Union on social media

Our Facebook and Twitter pages are the ideal way to keep up to date with what’s happening at the Credit Union. As well as the website, the Credit Union has a growing online presence on social media. We regularly update both our Facebook and our Twitter pages with...

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