Borrow up to £700 for your holiday

Download our mobile app Nivo and you could receive the loan the same day!

Cath Dell
Cath Dell
03/06/2021
Verified
I’ve been a member for 11 years now and they are very fast at responding to enquiries, helpful and very accommodating. In the 11 years I have never experienced any issues with the service or employees 😁 Highly recommend them
Emma Amoah
Emma Amoah
03/06/2021
Verified
Really Helpful, Non Judgemental, Friendly staff providing amazing services!
Catherine Chadd
Catherine Chadd
03/06/2021
Verified
Fantastic speedy service and the most helpful friendly staff. Can’t rate highly enough.
Lee Murphy
Lee Murphy
02/06/2021
Verified
Friendly and helpful staff, a very pleasant and hassle free experience all around,
Lauren Rimmer
Lauren Rimmer
02/06/2021
Verified
always quick to respond,easy communication and understanding very helpful and the team are lovely.

Check out our Covid countdown clock

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Borrow from your credit union

For the new member

Welcome Loan

Loan amount

£150 to £700

APR

42.6%

Example: if you borrow £300 and pay £10 per week. You’ll repay your loan over 34 weeks and pay £37.44 interest – repaying a total of £337.44.

For the child benefit loan

Family Loan

Loan amount

£150 to £700

APR

42.6%

Example: if you borrow £300 and pay £10 per week. You’ll repay your loan over 34 weeks and pay £37.44 interest – repaying a total of £337.44.

For the member with savings

Saver Loan

Loan amount

£150 to £3,000

APR

26.8%

Example: if you borrow £1,200 and pay £20 per week. You’ll repay your loan over 71 weeks and pay £208.29 interest – repaying a total of £1,408.29.

For more than £3,000

Smart Loan

Loan amount

£3,000 to £15,000

APR

14%

Example: if you borrow £6,000 and pay £70 per week. You’ll repay your loan over 97 weeks and pay £774.77 interest – repaying a total of £6,774.77.

For Southway tenants 

Southway Loan

Loan amount

£150 to £300

APR

42.6%

Example: if you borrow £300 and pay £10 per week. You’ll repay your loan over 38 weeks and pay £37.77 interest – repaying a total of £337.77.

For loans fully secured to savings

Secured Loan

Loan amount

£150 to £15,000

APR

9%

Example: if you borrow £800 and pay £20 per week. You’ll repay your loan over 42 weeks and pay £29.76 interest – repaying a total of £829.76.

Join over 4,500 people in South Manchester

Here’s how you can open an account with South Manchester Credit Union:

  • Spot your postcode on the map
  • Download our mobile app Nivo
  • Have ID that shows you and your address
know if you can apply for a loan with the credit union

Subscribe to our newsletter

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Put finance at your fingertips

Nivo is an instant messaging app that gives you full access to your credit union account.

You can join, ask for withdrawals, apply for loans and best of all, keep in contact with your favourite credit union!

Saving with your credit union

Open Savings

Deposit as much or as little as you like and withdraw once a month to make saving a lot easier.

Locked Savings

Build your savings to apply for a credit union loan.

Prize Saver

Win prizes up to £5,000 just by saving – £1 equals one entry.

Christmas Club

Lock your savings until 1st November with the savings account dedicated to the festive period.

Young Savers

Give the children a nest egg for when they’re older.

Win up to £5,000
just by saving

Every £1 you save with the Prize Saver savings account is 1 entry into the monthly draw – you’re allowed up to 200 entries.

The monthly top prize is £5,000 and if you don’t win that, you’re still in with a chance to win one of the £20 prizes.

We achieved the 5-star Fair Banking Award!

We have been recognised for putting our members financial well-being at the heart of our decisions. The way it should be.