Personal Loan

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

Borrow from £100 to £15,000

How would you like to pay back?
(Select a time period)

Loans you can afford

Access the money you need to cover essential costs or fund your dreams and life goals. Our loans are competitive with high street lenders and much more affordable alternative to payday loans and doorstep options.

The Annual Percentage Rate (APR) varies according to the size of the loan. For example, loans from £2,500 to £4,999 have a Representative APR of 21.9%. Please refer to the interest rate table for more details.

Representative APR from 13.9% to 42.6%; maximum 42.6% APR for a loan of less than £1,750.


You can borrow from £100 to £15,000 and spread your repayments from 1 month to 5 years, depending on how much you borrow.

£100 to £1,749: Repay your loan over a period of 1 month to 2 years

£1,750 to £2,499: Repay your loan over a period of 1 month to 3 years

£2,500+: Repay your loan over a period of 1 month to 5 years

Loans are subject to status. 


What works for you is good for your community too. Unlike other lenders, we don’t send profits to faraway shareholders. Your interest benefits members in our local neighbourhoods.

We’re on your side, so we’ll always consider you for a loan even if you’ve been turned down elsewhere.

  • Fixed interest rates and no hidden fees or late payment charges
  • Flexibility to repay weekly, fortnightly or monthly 
  • Everyone considered 

Interest rate

From £100 to £1,749.99 - 42.6% APR
From £1,750 to £2,499.99 - 32.9% APR
From £2,500 to £4,999.99 - 22.9% APR
From £5,000 to £7,499.99 - 18.9% APR
From £7,500 to £15,000 - 13.9% APR

Representative example

Borrow over months, and repay per month, total amount payable (including interest of ) is . % APR representative.
Try our calculator to see what your payments would be and the total interest you would pay based on your borrowing requirements. Try the calculator

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

99% of our borrowers are happy with our service

We are regulated by the Financial Conduct Authority


You can use a personal loan in several ways. Whether it is making home improvements, buying a car, taking care of an unexpected bill or a wedding, a personal loan can help you spread the cost.

Yes. As a responsible lender, we will check your credit history with a Credit Reference Agency to help us make our lending decisions, but you can still qualify for a loan with us even if you’ve got a bad credit history.

Even if you have had difficulties managing credit or bills in the past, you may be able to qualify for a loan with Great Western Credit Union, subject to affordability.

We do carry out a credit check, but a poor credit history does not necessarily mean we won’t lend to you. We take every applicant’s personal circumstances into account when we make our decision.

Read our blog post on the top 5 reasons why we turn applications down - and what you can do to turn that ‘no’ into a ‘yes’.

We offer loans from £100 to £15,000. How much you can borrow depends on your personal circumstances. When we make our decision, we look at factors such as your income, your outgoings and if we think you'll be able to afford to repay the loan.  

Read our blog post on the top 5 reasons why we turn applications down - and what you can do to turn that ‘no’ into a ‘yes’.

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 loan, you need to meet the following criteria:

  • Age 18+ and live, work or study in Bristol, Bath, South Gloucestershire, North Somerset or Bath and North East Somerset.
  • Or you're a UNITE and UNISON member from the South-West, or a tenant of one of our partner housing associations
  • You have a regular income over £450 per month
  • 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 rates are fixed and depend on the amount you are asking to borrow.

Take a look at our loan calculator to see how much you could borrow and what the loan would cost.

Try our loan calculator

Have your documents ready

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

If you are unable to provide these during your application, you can save 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 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

Not sure this is the right loan for you? Have a look at our other products

View our other loans