At Thistle Credit Union, we offer affordable interest rates and are proud advocates of fair and responsible borrowing. Therefore, we assess every loan with care and consideration. We operate on a points based system in order to ensure fairness and that any loan taken out with us will not cause your financial situation to worsen. We assess all applications on a first come first served basis. Failure to repay your loan will negatively impact your credit score and your ability to borrow from both us and other financial institutions in the future. Thistle Credit Union is authorised by The Prudential Regulation Authority and regulated by The Financial Conduct Authority and The Prudential Regulation Authority. We follow the same regulations as other banks and building societies and require robust financial systems, staff training and internal and external audit systems. Our loan agreements are legally binding documents and by signing your loan agreement you are agreeing to repay the loan, plus interest in instalments by either payroll deduction, standing order, paypoint, cash or direct debit. We recommend that you seek independent advice before signing any loan agreement. Please find the full list of terms and conditions below.