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

28 March 2017
Competitive Loans

Competitive Loans from your Credit Union

Our personal loans - which have now been awarded five-star status by the independent Fairbanking Foundation - are available for just about any purpose be it a new car, an exotic holiday, a lovely wedding, helping with Christmas expenses or for some new home improvements!  Read on to find out more about our loan products - and click ClickHERE to find out more about the Fairbanking Award

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. This facility can also be used to check out credit union rates against other lenders.

There are many benefits of borrowing from your NHS Credit Union:

  • Easy payments by payroll deduction or direct debit
  • Competitive, fair and affordable rates
  • Interest is calculated on the reducing balance
  • The rate you see is the rate you get (Same rate for all our members)
  • Free loan protection scheme in event of bereavement (conditions apply). Click HERE for more details

All loan applications are assessed on the following factors:

  • Ability to repay
  • Past savings & borrowing history with the credit union.
  • Past credit history (other lenders)
  • Purpose of loan
  • FSA regulations regarding loan limits and repayment periods.

As a credit union pools together members’ savings to lend to other members, it is important that these checks are in place to make sure we are lending to members who can afford to pay their loan back.

Available Loan Products

Unsecured Loans
If you need to apply for more than your current saving balance.

Secured Loans

If you are reluctant to dip into your hard earned savings, you can have a loan secured on your savings.


Budget Loans

One of our most popular products, the Budget Loan allows you to top up existing borrowing.

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.