Borrow up to £700 for your holiday

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

Dianne white
Dianne white
27/07/2021
Verified
Been a member for over 10 years Always so helpful Always very professional Highly recommended to anyone Lovely staff Nothing to much trouble Very reassuring to have them available
nicola brierley
nicola brierley
26/07/2021
Verified
Always very helpful and friendly definitely recommend
Godfrey Barrett
Godfrey Barrett
23/07/2021
Verified
Great team!! Very helpful and friendly Would recommend any day Keep up the good guys❤
Jackie Pearson
Jackie Pearson
23/07/2021
Verified
Excellent and quick service, they never let you down, very helpful staff, thank you SMCU. Can’t praise them enough xx
Helen Bergin
Helen Bergin
22/07/2021
Verified
Amazing company. Very efficient and easy to use. There is a speedy response to any questions you have or any information sent over. 100 % recommended.
Wendy Ward
Wendy Ward
21/07/2021
Verified
Smcu provide an essential service to our community and have done for many years, they are helpful, friendly and make sure you have all the help you need every step of the way. They are all doing a fantastic job.
Natasha Currie
Natasha Currie
20/07/2021
Verified
Very easy steps to apply for the loan doesn’t take long to complete and interest on loans is not high at all, really good
carla francesca
carla francesca
19/07/2021
Verified
Always polite and professional, really easy to supply required documents through the nivo app. Have really helped me out when iv needed it.

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:

know if you can apply for a loan with the credit union

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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.