General Enquiries: 020 7561 1786 or Email:      |       CU Loan Repayment Issues Only: 020 3763 8397  or Email:

Great Rates for members

We offer loans, large and small, up to £30,000 above savings, starting from just 2.9%.

You can apply for a loan straight away, but if you have saved a little first it greatly increases the chance of your application being approved and may offer lower interest rates.

Great Rates for members

We offer loans, large and small, up to £30,000 above savings, starting from just 2.9%.

You can apply for a loan straight away, but if you have saved a little first it greatly increases the chance of your application being approved and may offer lower interest rates.


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Preparing For Your Loan Application

To make our lending decisions we use manual credit and affordability checks, rather than just your credit score. To do this, you’ll be asked to provide details of your employment and finances when you apply. We need these before we can make a decision on your loan. Priority is given to members who have opened their membership account with a first savings payment.

You should have the following ready when you apply:

  1. A copy of your most recent pay slip (or benefits letter)
  2. Your National Insurance Number
  3. Your last two months bank statements for your main account (or temporary Open Banking view only access)


Our loan products are designed to help you to save while you borrow

To apply for a low cost loan you must first join as a member. When your low cost loan is approved and, if you are not already a member, you must open your account with a minimum of £20 or £50 deposit to your savings account

Support with Loan Payments

If you have a loan from us and need a little help managing repayments then please call us on 0203 763 8397 to speak with one of our friendly Loan Support Officers who will find a way to help

The granting of the loan is based upon evidence of affordability. 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. To increase your chances of the loan being approved, read these GUIDANCE NOTES and, if you can, set up your salary deduction, direct debit or child benefit savings payment before you apply for a loan.

You do not have to visit our office. Simply join and/or register for online access through the members secure area of the website, or download the ‘London Capital Credit Union’ app for mobile devices then you can submit your loan application online, approve the loan agreement online and we can then transfer the funds direct to your bank account.



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Low Cost Saver Loan

You can apply for a low cost ‘Saver Loan’ at any time but give priority to those who have saved with us first. If you are a new member then once your loan is granted you will required to deposit £20 to your saving account. Interest on most ‘Saver Loans’ is charged at a fixed typical rate of 12.7% apr. Rates may vary dependent on our lending risk criteria, such as repayment method, previous borrowing record and credit history.

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Homeowner Loan

We know that owning your own home is not always plain sailing. There are times when you need to spend large sums on maintenance, home improvements or even special occasions like weddings. We are able to offer larger value loans at very competitive rates. We will offer loans at 0.1% less than that formally offered by any High Street Bank.


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Flexi Loan

Any member of the credit union can apply for a low cost Flexi Loan and must make a payment of not less than £20 to their credit union savings account before funds are released. The Flexi Loan is a slightly higher interest rate of 26.8% apr but the monthly or weekly repayments may be lower as there is no minimum savings requirement.

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Security Loan

We want to encourage members to build up their savings to prevent them having to borrow in future. To encourage members not to withdraw their savings we offer an alternative ‘Security Loan’ at just 4.9% apr. This allows members to keep payments at the same level and keep their savings for a rainy day.

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Family Loan

These loans are up to £1,400 and are designed to help parents with the periodic financial pressures of bringing up children. Any member of the credit union using a salary savings scheme or having Child Benefit paid to their credit union account  can apply for a low-cost Family Loan once they have made their first payment to their savings account.

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