Loans and savings made for you
Affordable, flexible loans and secure savings accounts with your local, member-owned credit union
“South Manchester Credit Union have really helped me from moving out independently to simply enjoying life a little with a holiday” – Kia
Loans that suit you!
New members...
..can apply for as much as anyone else, from £150-£15,000. Apply through our easy online form and speak to us on our messaging app.
Existing members...
..who have built up savings with us may be able to access lower interest rates with our Saver Loan.
Find out the cost of your first loan
Join nearly 5,000 local people
Opening a South Manchester Credit Union account is easy:
- Find your postcode on the map
- Download our messaging app
- Show us your proof of ID
Supporting local people since 2000
We have been supporting local communities since 2000, as a place where anyone in South & Central Manchester can borrow without getting ripped off and build a sustainable savings habit.
We don’t plan on stopping any time soon, so why not join South Manchester Credit Union today?
Subscribe to our newsletter
Stop scrolling and subscribe for access to our newsletter! We handpick news and promotions to help with your moolah.
Finance for local people
There are many reasons we think we are better than high street lenders and regular banks – we talk about it all day!
Read our favourite reasons for managing your money with a credit union.
South Manchester Credit Union smash £30 million lending milestone
We have recently celebrated £30 million in total lending since we were founded in 2000 – wow! That’s £30 million in safe, affordable loans to local people, improving the financial power of our local communities.
Download our messaging app
Our mobile messaging app is the easiest and quickest way to chat with us – think of it a bit like WhatsApp! Whether you’re joining up, applying for a loan, managing your account or simply have a question, ask us anything and we’ll get back to you within our operating hours.
Savings for peace of mind
Tuck away some savings for a rainy day or to work towards your dream goal. We encourage all South Manchester Credit Union members who borrow to save whilst they repay.
You can deposit into your savings at any time by standing order or bank transfer. We can also take deposits through benefits deduction, payroll deduction, and cash 💰
Check out some of our different savings options below 👇
Hear from our members
We love hearing feedback and success stories from our members. Take a look at few of our favourites.
Reading Time: 4 minutesWe all have our own goals,...
Reading Time: 4 minutesThe challenges that come with adulthood...
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What to expect
Anyone who lives or works in South & Central Manchester can join us. We’ll just need to see some ID and proof of address and that’s it – we are inclusive to all! The best part is it is absolutely free to join and access all of the benefits we have to offer. Join today and start saving or apply for your first loan.
We could honestly talk all day about why you should join your local credit union!
To make it easy for you, have a quick read through our favourite reasons why joining a credit union is for everyone.
You can apply for a loan right away! Simply fill in our online loan application form and we’ll be back in touch within 1 working hour. We’ll then finish signing you up and guide you through the application process.
Interest on all of our loans is calculated daily on the reducing balance of your loan. With every repayment you make, you clear the interest accrued since your previous repayment and your interest is then calculated for your next repayment on the reduced balance – the lower your balance, the less interest you pay.
As a responsible lender, we will run a credit check on your first loan application. Our policy is that we may then run a credit check on any further loan applications. Your application will be assessed based on your credit file, affordability, and your personal circumstances, not just your credit score alone.
