Personal Loans

Unlock your financial future with a personal loan from Thistle Credit Union.

Borrow up to £15,000 and spread repayments over 5 years.

Build on savings with contributions included in every repayment plan.

Loan Calculator

How much would you like to borrow?

Our loan calculator is designed to give you information on your repayments should you wish to apply for a loan with us. Rates will differ from this calculator depending on the type of loan you choose.

Whilst every care has been made in the production of this calculator, Thistle Credit Union and its staff cannot be held responsible for any omissions, errors or other mistakes made. This calculator is for illustrative purposes only in order to give you an overview of the potential cost of borrowing. Please note that our loan calculator only applies to personal loans.

Personal Loan

Borrowing Amount
£250 £15,000
Repayment Period
3 Months60 Months
Interest rate is . Interest payable is . Your repayments will be every month
Total you will Pay:
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Why Choose a Personal Loan?

Borrow up to £15,000

Whether you’re planning home renovations, a dream holiday or covering unexpected costs; we’re here to help.

Fixed Interest Rates

Giving you peace of mind that your payments will never increase (Exclusions apply).

Spread Repayments Over 5 Years

Choose how long you want to repay your loan with either weekly, fortnightly, monthly and four weekly repayments.

Build On Your Savings

With regular contributions included in each repayment plan, you can get a head start on your savings pot. 

No Hidden Set Up or Admin Fees

There are no additional costs when setting up a loan, meaning you can get straight to making repayments.

No Early Repayment Penalties

You can repay your loan in full at any time with no early repayment penalties.

Free Loan Protection

Giving you the peace of mind that your loan could be settled in the event of your death (T&Cs apply).

Build On Your Credit Score

Timely repayments build evidence of your ability to repay your debts, making it easier to gain finance in the future.

Why Choose Thistle Credit Union?

Part-Owner with
Full Control

Your voice matters and as a part-owner, have a say in how we operate.

Simplified Savings
Solutions

Easy deposits with standing order, card payment and direct debit

Loans Built
for You

Our member-focused, affordable loans are designed with you in mind

Life Protection
Included

Enjoy peace of mind with an extra level of financial security for your loved ones

Banking at
Your Fingertips

Manage your Thistle Credit Union account on our free mobile banking app

Safe and Secure
Savings

Your hard earned savings are protected under The FSCS Scheme

Exceptional
Member Service

Customer service that goes above and beyond, tailored to your needs

Share in
Our Success

Earn dividends on your savings whenever Thistle Credit Union turns a profit

Community
of Support

Join a community that values providing mutual aid and support to local people

Borrowing Built for You

Thistle Credit Union is at the forefront of the growing movement revolutionising how we bank. Our not for profit approach puts out members at the very heart of everything we do and helps to provide a truly sustainable alternative to traditional and predatory lenders. By borrowing from us you are helping to build a better financial future for yourself and your local community.

How to Apply

Required Documents

In order to process your application, we require a number of documents that will allow us to confirm your identity and assess your ability to afford the repayments.

Documents should be downloaded and emailed to staff@thistlecu.co.uk as a PDF file or paper copies handed into a branch. Please note that we cannot accept the original document.

  1. Payslips and/or benefit award letters for the last three months.
  2. Bank statements for the last three months for all active bank accounts.

Important Information

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 negativity 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 socieities 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.

Terms and Conditions

Loan Protection

Privacy Policy

New to Thistle Credit Union?

Join the growing movement that is transforming the way we bank by opening your Thistle Credit Union account today.

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