Car Loan

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This isn't car finance

It's better

  • Borrow up to £15,000
  • Flexible repayments that suit you
  • Apply through our mobile app
APPLY FOR YOUR LOAN

Rates up to 14% APR (Smart Loan T&Cs apply)

EXCELLENT Based on 521 reviews.
Geoff Mayo
Geoff Mayo
31/05/2022
Verified
Absolutely amazing people. Helped me out massively. They take in to account all circumstances. Amazing customer service. Would recommend. 10/10
Katie Allen
Katie Allen
19/05/2022
Verified
Again credit union have gone above and beyond to arrange a loan for me as my tumble dryer broke. Fast, efficient, friendly service. Communication quick and fast through the Nivo app. Highly recommended. Could not recommend this organisation anymore 10 out of 10
Andrea Latham
Andrea Latham
19/05/2022
Verified
I couldn’t praise this place enough they advise and help and talk to you like your a human the lady who dealt with my request was amazing
Anita Kaur
Anita Kaur
13/05/2022
Verified
Friendly and helpful service. They have the clients best interests at the forefront to ensure no unnecessary financial pressure is put on the client. Highly recommended.
Paulette Jones
Paulette Jones
12/05/2022
Verified
South Manchester Credit Union are great, every interaction with them is so friendly and the customer service great. Wether it be a general enquiry or loan application your always greeted and treated like a person and not just a number. They are very fair and don’t judge you from your past credit mistakes. Highly recommended
Leah McKnight
Leah McKnight
10/05/2022
Verified
Excellent service, very fast at getting back to you with any enquires! Very friendly& reliable, would recommend to family and friends.
Michelle
Michelle
09/05/2022
Verified
I’ve been with SMCU for a very long time they are extremely helpful the staff are lovely and I would 1000% recommend that you join.
Kayleigh Leonard
Kayleigh Leonard
06/05/2022
Verified
Excellent Service, Amiee was very informative and helpful. I would definitely recommend
S Hall
S Hall
06/05/2022
Verified
Friendly efficient customer care. Aimee was very kind and thorough. Would definitely recommend SMCU for both loans and saving. Thank you for your excellent service

A better way to finance your next car

APPLY FOR YOUR LOAN

Credit union loan

Car finance

  • Own the car as soon as you purchase it
  • Pay the total amount before the car is yours
  • Pay extra, pay less interest
  • Early repayment fees
  • No balloon payments or hidden fees
  • May pay a lump sum at the end of your agreement
  • Honest and fair APR with rates up to 14%
  • 49% of people accepted are charged a higher APR then the representative

When you’re buying a car, almost every dealer, car broker or car supermarket will offer you a finance scheme, it’s a major source of profit for the motor trade.

The problem with hire purchase is that you do not own the car until you have made your final repayments, meaning that the car is secured against your loan, and can even be taken from you. On top of this, there are often hidden fees and large deposits to be made before you even start paying back.

Our Car Loan gives solutions to the problems of car finance by giving you a chance to own your own car from the outset, with no deposit, no hidden fees, and at low-interest rates.

APPLY FOR YOUR LOAN

This is how it works...

Download the app

We have a fast and secure messaging app you can do everything over. Whether it’s joining, making a withdrawal or applying for a Smart Loan – it can all be done over Nivo.

Open your account

Next we’ll simply need to open your account.

7 simple steps

Once your account is set up, we can move onto your loan application.

We’ll walk you through 7 simple steps. We ask you about your income and credit history as well as finding the right level of repayments to suit you. 

Loan goes for assessment

Once the steps are complete – your loan will go forward for assessment.  

We ask that you allow up to 5 working days so sit back and relax. 

We're good to go

Once our assessment is complete and if your loan is approved – we’ll send over the terms of the loan that we are offering to you.

If you are happy to accept, then go ahead and sign. 

We have an agreement. 

APPLY FOR YOUR LOAN