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South Manchester Credit Union
South Manchester Credit Union
702 Google reviews
Dayo Bello
Dayo Bello
12/04/2024
They came through for me twice in my time of need. For me it is not even about the funds , it is the ease at which you chat with them either the app or over the phone. Everyone I spoke to or chatted with was so empathetic and non judgmental and I appreciated that a lot. I also do like the fact that user interface was quite easy and no one will struggle with it. As long as you respond hurriedly the funds come in extremely fast. Also the first one I received was on the 22nd and I was amazed at how they ensured I was paid before they went on break; they were the ones saying they wanted it to come through for me, I really loved that
Amir
Amir
11/04/2024
Very helpful 👌
Chelsea Wedderburn
Chelsea Wedderburn
08/04/2024
I have been with the SMCU for over 10 years. The team is always so helpful and supportive! I love the fact I can save with them and also take out low interest loans when I have unexpected bills!
Seagrave96
Seagrave96
08/04/2024
Didn’t think I’d get a loan but was approved they were very helpful through the whole process and really friendly they just wanted to help
Khola Khandii
Khola Khandii
05/04/2024
Advisors are always very polite and helpful. Response time is usually quite quick and advice is always tailored to me and my circumstances which I appreciate
Rhona Brown
Rhona Brown
05/04/2024
Had an emergency Credit Union were able to help out swiftly. Very good customer service 2nd time I have been helped out in an emergency. Credit Union stepped up once again I would of been lost without them. Thanks so much. Whatever your situation be honest and Credit Union will endeavour to help
megan partington
megan partington
05/04/2024
Cant thank Abdullah and Aimee enough for all the help over the last couple of days. From start to finish I’ve had my enquiry dealt with fast and efficiently and felt like they was listening to me throughout every process of getting help during my move into a new home. The best service to use so quick and easy and actually really nice to talk to as well. Don’t be afraid to ask for help because they can and will help and do a fantastic job of it.
bacem belada
bacem belada
29/03/2024
Very helpful and friendly staff very professional thanks
macauley fitzgerald
macauley fitzgerald
27/03/2024
I’ve had nothing but an amazing experience so far the staff are amazing and really go above and beyond for their customers I can’t rate them highly enough!
Dollie B
Dollie B
25/03/2024
South Manchester Credit Union was absolutely incredible in dealing with me and the assistant was very helpful and everything went seamlessly with no issues at all. 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.