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South Manchester Credit Union
South Manchester Credit Union
702 Google reviews
Mark Sarginson
Mark Sarginson
08/02/2024
Carnt praise these enough have dealt with the same lady EMILY who has been absolutely amazing and so patient with me Carnt thankyou you enough EMILY you are a true angel thankyou x
David Yearley
David Yearley
05/02/2024
Have been with SMCU for over 10 years and always had a really helpful and pleasant experience. SMCU have really helped me out being able to save and refinance loans really easily to help me manage my finances and pay for things around the house when needed. Highly recommend SMCU amazing!!!
Ayesha Warwick
Ayesha Warwick
29/01/2024
Friendly staff, easy forms and fast payouts. ☺️☺️
Holly Loretta
Holly Loretta
25/01/2024
Staff are always so helpful
angel30277
angel30277
22/01/2024
Great service fantastic representative no beating around the bush
Lila Tome
Lila Tome
21/01/2024
A massive thank you to Sheenagh, Aimee and all the staff for the smooth handling of my case, for the speed response and prompt action. Great costumer care🙏🙏🙏😊😊😊😊😊
Mfonobong Uko
Mfonobong Uko
19/01/2024
Thank you South Manchester for your prompt replies and smooth advice throughout the discussion towards securing a loan. I greatly appreciate. Special appreciation to Sheenagh and Aimee for their prompt response.
Peter Kinlock
Peter Kinlock
17/01/2024
Miles better loan apr than banks decision in days and affordable repayments what’s not to like there a godsend I’d recommend anyone looking to borrow a small loan and save at the same time
Stacey Bradley
Stacey Bradley
12/01/2024
Brilliant service
Kath Green
Kath Green
09/01/2024
Very quick at responding to me.and very helpful 👍 thank you 😊

Work out the cost of your loan

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 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

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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.

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