Affordable loans
No hidden fees or charges
No penalty if you repay the loan early
Interest rates capped by the government
Save as you repay your loan
All loans include free insurance
- Who can apply?
- Min. amount
- Max. amount
- Max. term
- Credit status
Homemaker loan
42.6% APR
- Who can apply? Anyone
- Min. amount £500
- Max. amount £2,500
- Max. term 28 weeks
- Credit status Poor
Saver loan
5.5% to 18% APR
- Who can apply? Existing members
- Min. amount £500
- Max. amount £15,000
- Max. term 60 months
- Credit status OK
Instant Plus loan
5.5% to 14.9% APR
- Who can apply? Must be working
- Min. amount £1,000
- Max. amount £15,000
- Max. term 60 months
- Credit status Good
Safe saving
Chance to win up to £500 every month in our prize draw
Receive regular dividends (share of the profits)
Up to twice the value of your savings are payable to a nominated beneficiary
Ready to save?
Whether you're a member or not, it only takes a few minutes to start saving with us.
Your savings are protected by the Financial Services Compensation Scheme
News
Stay Safe: Be Fraud Aware with Knowsley Mutual Credit Union
Fraud is on the rise, with scammers using emails, texts, phone calls, and social media to trick people into giving away personal or financial information. From phishing ...
Read More 
Budgeting: Your First Step to Financial Freedom
Budgeting isn’t about restriction—it’s about empowerment. By understanding where your money goes, you can make informed choices, reduce stress, and work toward your financial goals. Whether ...
Read More 
Saving on Benefits: Small Steps, Big Impact
Living on benefits can make saving feel out of reach—but even small amounts set aside regularly can build financial resilience. Whether it’s for emergencies, unexpected ...
Read More