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Tel: 0141 445 0022 Fax: 0141 440 2294 Email:

28 March 2017
Unsecured Loans

Unsecured loans are for members who need to apply for more than their current savings. The minimum unsecured loan available is £500. There are time and borrowing restrictions on when new members can apply for a loan. Click here to find out when you apply for a credit union loan.

Where members apply for an unsecured loan of up to £1,000 in excess of their savings, the process can be streamlined. In many cases, we won't have to carry out full credit checks. *

Our current unsecured loan rates are:

Loan Amount

Loan Rate

£500 - £2,000

19.6% APR

£2,001 - £5,000

12.7% APR


9.4% APR


Loan calculator

This is a handy tool that gives you the opportunity to input loan amount, repayments and terms and allow you to check out various scenarios, if you wish, before phoning to make an application.  Use our online Loan Calculator  now to find out how much you can borrow ... and how little you will have to repay. Alternatively call the office on 0141 445 0022 and we will give you a quick quote for your repayments.

Members can now apply for loans online. Click here to log into your account and then select the appropriate form from the list of Online Application Forms.

For members who currently have an outstanding loan, they may be able to top that up with our Budget Loan facility.* Click HERE to find out more, or contact our Member Service Officers on 0141 445 0022 to find out if you are eligible.

*Terms and conditions apply - full details available on request


NHS Credit Union Limited Tel: 0141 445 0022 Fax: 0141 440 2294 Email: Web:
NHS (Scotland & North England) Credit Union Ltd is Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. ‘NHS Credit Union Ltd’ is a registered trading name of NHS (Scotland & North England) Credit Union Ltd.