Write a review

Go to business site

Capital Credit Union: Loans reviews

Name: Loans
Rating: 4.94 (755 reviews)

View other Capital Credit Union products

4.93

Based on 755 reviews, last reviewed 22nd Jan 2026

50% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

97%

Latest highest rating:

5

Rates excellent on member loans. Rates excellent on member loans. Reviewed on: 22nd January 2026

Latest lowest rating:

1

Are one of the worst companies that I have had to de... Are one of the worst companies that I have had to deal with have no customer service just send you texts with half messages and are not able to call c... Read more Reviewed on: 12th December 2025

Read all reviews See your review

About this product

With a Capital Credit Union loan, members can borrow from £50 up to £35,000.

All members must save at least £15 per month alongside the loan to help build up a nest egg. Capital Credit Union loans come with free loan protection insurance and flexible repayments with terms of up to ten years.

Capital Credit Union loan reviews help you find out what it’s really like to be a customer. If you’ve used Capital Credit Union before, you can also leave a review and share your experience.

Capital Credit Union Loans reviews (755)

Review of the Capital Credit Union, Loans:

great customer service and great help woth loans nee...

great customer service and great help woth loans needed and also saving Reviewed on: 14th April 2025

Smooth and easy process

I needed a loan for my Golf membership, and discovered that Capital Credit Union have a partnership with Scottish Golf. I found the whole process from beginning to end to go very smoothly, and the APR to be very reasonable. Reviewed on: 18th April 2025

Loans without pain

I have been a customer with Credit Union fir the last 25 years. Saving and borrowing. Loans are granted quickly and you are advised of all the rules and regs to ensure you have all the information you need. Customer service is excellent and staff extremely helpful. Reviewed on: 18th April 2025

Good service very nice staff and good rates

Good service very nice staff and good rates Reviewed on: 18th April 2025

I've had 2 great experiences with capital credit uni...

I've had 2 great experiences with capital credit union, the 2nd time Darren couldn't have been more helpful, everything was very well explained and was all so straightforward! Will definitely be using them again! Reviewed on: 18th April 2025

Quick, reliable and accommodating service

Quick, reliable and accommodating service Reviewed on: 18th April 2025

Smooth and efficient.

Smooth and efficient. Personal approach and everything completed as arranged and on time. Reviewed on: 18th April 2025

Fantastic Service Fantastic staff!

When my partner and Ineeded a loan quickly. Capital Credit Union were there for us. The process was quick and easy and sorted within 7 working days. Later we were in a position to pay off the loan early which again was easy to do and without penalty...... not many banks offer this! Fantastic service Fantastic staff Reviewed on: 17th April 2025

Great support from start to ongoing

I was helped in the whole process of applying to receiving the loan, and in an efficient period of time too. Because of the support I received after the loan was approved I feel confident I will get the help I need when I call - and there's not a long wait for someone to answer either! Reviewed on: 17th April 2025

Straight forward.

Straight forward. Easily understood information. Good communication. Reviewed on: 17th April 2025

It has been an easy process and i would suggest Capi...

It has been an easy process and i would suggest Capital Credit Union to others. Reviewed on: 17th April 2025

Do you have a different Capital Credit Union product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Personal Loan
from NatWest 4.13 from 150 reviews
Loans
from Wave Community Bank 4.91 from 222 reviews
Personal loan
from Creation 3.34 from 55 reviews

Want to see more from Capital Credit Union?

Mortgages
from Capital Credit Union 5.00 from 37 reviews
Savings
from Capital Credit Union 4.95 from 1008 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub