Sit back, relax, and achieve financial peace of mind

Over 4,500 people use our saving accounts and affordable loans to support their financial wellbeing. Speak to us on our mobile messaging app Nivo and start improving your finances today.

EXCELLENT

Based on 385 reviews

Millie Festus
Millie Festus
14/09/2021
Verified
Amazing service x
Mike Platt
Mike Platt
11/09/2021
Verified
Amazing company, very helpful and really took time to understand my situation.
Dk77 Kane
Dk77 Kane
09/09/2021
Verified
Fantastic staff and service been a member for a long time and would recommend to anyone always there when you need them 😊👍
Marie Nyang
Marie Nyang
08/09/2021
Verified
Staff always helpful, easy to use and quick service , just brilliant
Tracey ONeill
Tracey ONeill
08/09/2021
Verified
Fabulous! Has been a great help to me
Joanne Hurst
Joanne Hurst
07/09/2021
Verified
absolutley amazing the nivo app is so glad i have it everything is done on the app

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

9.4%

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:

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.