Credit union loans you can afford

Home improvements, a new car or borrowing to cover unexpected expenses, at Great Western Credit Union, we have the right personal loan to suit you. Borrow from £100 to £15,000, subject to status.

  • Competitive interest rates
  • Affordable repayments 
  • No hidden fees or charges 

Personal Loan

£100 to £15,000. APR from 13.90%

A loan that works for you – with fair interest rates, affordable repayments and no hidden charges.

Advantage Loan

£7,500 to £15,000. APR 6.90%

Take advantage of our lowest interest rate on loans from £7,500 to £15,000, if you have an excellent credit score.

Family Finance Plan

£500 to £500. APR 42.60%

A flexible way to borrow using your Child Benefit, with a pre-approved credit limit of £500.

We’ve been helping local people borrow better for over 20 years

We’ll consider you for a loan, even if you’ve been turned down elsewhere

Our personal loans have a 5-star rating from the Fairbanking Foundation

Your interest benefits local people and neighbourhoods

Amazing service and has truly helped me get my finances back into decent shape. It's great knowing that I have a plan to be debt free in 3 and half years!

Such a quick and easy process. Love that my interest and savings help others with loans.


I just think they are awesome! They are local, among the community they serve, easy to access, a sense of belonging, real as though they understood what life is like for the ordinary person and that is something one cannot buy!


It’s a huge relief to find a lender that doesn’t penalise you for having a limited credit file. It has had a significant positive impact on the well being of me and my family. 


Check if you are eligible

To apply for a Great Western Credit Union loan, you need to meet the following criteria: 

  • Age 18+ and live, work or study in the Bristol and Bath region, Gloucestershire, Wiltshire, Somerset or Dorset
  • Or you're a UNITE and UNISON member from the South-West, or a tenant of one of our partner housing associations 
  • You have enough disposable income to meet the loan repayments 

Choose how much you would like to borrow

We offer loans from £100 to £15,000, subject to status. Our credit union rates are fixed and depend on the amount you are asking to borrow. 

Choose the loan you want to apply for and try the loan calculator to see how much you could borrow and what the loan would cost. 


Have your documents ready

You'll need an email address and mobile number to start your application. Make sure you also have your National Insurance number, income details and bank details handy, plus proof of identity.  

If you are unable to provide these during your application, you can save at any time and get in touch to discuss your options.

Get in touch

Start your application

Now that you have everything you need, you can get started on your credit union application. It takes about 15 minutes to apply online, and you can save your application at any time and come back to it later.  

Get started