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Capital Credit Union: Loans reviews

Name: Loans
Rating: 4.94 (752 reviews)

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4.94

Based on 752 reviews, last reviewed 19th Sep 2025

77% 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

I love that I can call and not be kept waiting until... I love that I can call and not be kept waiting until a helpful human being is available I am 72 and have limited understanding of dealing with my acco... Read more Reviewed on: 19th September 2025

Latest lowest rating:

2

No real benefits for a loyalty advance I took out a loyalty advance and basically I am paying you to access my own money. This is not a good idea at the rate you offered and not a help to l... Read more Reviewed on: 14th April 2025

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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.

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Capital Credit Union Loans reviews (752)

Fantastic Experience

Very helpful, professional service Reviewed on: 15th April 2025

Capital Has Your Back

Been a member for 20+ years, NEVER had a bad experience. Always helpful when needed. Member focused, transparent and a delight to deal with. Reviewed on: 15th April 2025

Above and beyond staff, I feel cared for and respected

When my boyfriend went into hospital in the USA, I had to quickly buy a flight to be with him, it cost over £1000, that's a months wage for me, I had to approach Capital Credit Union at the eleventh hour and they came through for me, they really went above and beyond to help me get to where I needed to be. I have had several loans from CCU since joining them in 2010, they never lend without enabling me to save while paying back, so I can maintain a feeling of being in control of the loan, I always have savings accruing whole paying back. I have always received top notch customer service from their staff too. Great company! Reviewed on: 15th April 2025

Needed a loan for an unexpected bill.

Needed a loan for an unexpected bill. CCU provided this with a minimum of fuss. Very impressed with the service that I received. Reviewed on: 15th April 2025

I opened 3 saving accounts with capital credit union...

I opened 3 saving accounts with capital credit union and couple months later they were great helping me out to get a loan, I’d highly recommend them and will hopefully be able to use them again if required Reviewed on: 15th April 2025

staff are always very patient and extremely helpful...

staff are always very patient and extremely helpful whenever I have gotten loans or needed help with savings. Couldn’t ask for a better service, I feel they go above and beyond to do their very best each and every time. Always a pleasure to do business together. Reviewed on: 14th April 2025

Green loans

We had 2 green loans from CCU. They were easy to take out and offered great rates with no early repayment fees. They have now been repayed which was a faff to begin with but after contacting their customer services things were very straightforward. Reviewed on: 14th April 2025

Capital credit union - good people

I've saved and had a few different types of loans now and I like that you can call up and talk to a real person, you can manage things in the app and pay back early with no penalty. Now I have different saving accounts and being able to save directly from my salary has really helped me start to try and be a saver. Now I'm better able to manage money from loans to savings. Reviewed on: 14th April 2025

Helpful staff and a straightforward process on both...

Helpful staff and a straightforward process on both occasions I have had loans. Easy to repay over a period of time as repayments were within my budget Reviewed on: 14th April 2025

They are very helpful and friendly

They are very helpful and friendly Reviewed on: 14th April 2025

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