Unify Credit Union


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New to Unify but in need of a loan, fast?

If you need a small loan but have not yet started saving with Unify Credit Union you can apply for a Starter Loan, with interest at a maximum of 3.0% per month (42.6% APR).

This means if you borrowed £500 repay over 50 weeks, you would pay £11.87 per week - with a total including interest of £93.18

How much can I borrow?

You can apply for any amount up to £1000 on your first Starter Loan, the loan must be repaid over a term of one year. Once you have made repayments for 6 months you may 'top-up' your loan by an additional £750 (maximum) per top-up.

The Starter Loan is suitable for people who are in receipt of a non-means tested benefit, for example, Child Benefit, E.S.A or State Pension. (If you are not sure if you are in receipt of a non-means tested benefit please speak to a member of staff)

How do I apply?

You can apply for a Starter Loan by calling or emailing us directly, please do not try to apply online for a Starter Loan if you are new to Unify Credit Union. Contact us today:

Email Us

Email your name, date of birth, address, telephone number, reason for loan and amount required and we will get back to you as soon as possible: please do not complete the online membership application until you have spoken to us over the phone or email about your loan request.  

Apply over the phone

Call your local branch making sure you have details to hand, including your name, address, reason for loan and amount required 01942 245656

Please note that all loans are subject to our general conditions, as set out in our Loan Policy.  


IMPORTANT - if you are in a debt management plan, subject of a Debt Relief Order,  IVA or bankruptcy or not currently up to date with household bills we are unlikely to be able to provide you with a loan.  

Debt advice can be obtained, free of charge, from STEPCHANGEDEBT ADVICE FOUNDATION or your local CITIZENS ADVICE.  

Free and impartial money advice can be obtained from The Money Advice Service





Only our members have access to these great Starter Loan rates. Become a member today!



If you want to save for a rainy day or a holiday, a Unify account is quick and easy.


If you need a loan with Unify Credit Union, click here to find out more.

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