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Capital Credit Union: Loans reviews

Name: Loans
Rating: 4.94 (755 reviews)

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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

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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 (755)

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

Efficient Service/Staffing

Good communication, very efficient service. Reviewed on: 14th April 2025

Always been helpful and Apr is always affordable

Always been helpful and Apr is always affordable Reviewed on: 14th April 2025

Very helpful friendly and quick at responding pleasa...

Very helpful friendly and quick at responding pleasant and fast at putting money into your account would recommend to friends and family Reviewed on: 14th April 2025

Absolutely amazing company

I have been a member with capital credit union for around 10 years and was told about it by a colleague within the fire service, he told me it was a great place to put some money aside in so I signed up. Not long after that perhaps less than a year Scotland was hit by that extremely bad snow that pretty much caused havoc. Unfortunately my pipes froze and burst leaving my house with no heating or that, and the worst thing was my 6 or 7 month baby was there and I didn’t know what to do or how I was going to get money to get it repaired asap and I phoned Capital and explained my situation and they were absolutely amazing and gave me a loan basically there and then! It was an absolute blessing and I will never forget that, how understanding and helpful they were my wee families angels!.Best bunch of people and they absolutely deserve recognition for all the good they do! Thank you Capital! Reviewed on: 14th April 2025

A far more ethical and trustworthy place to get cred...

A far more ethical and trustworthy place to get credit from than a bank or loan company Reviewed on: 14th April 2025

Straightforward.

Straightforward. Clear information and explanations. Most importantly treated me like a person and not a number. fabulous service throughout. Reviewed on: 14th April 2025

Used for a golf membership loan.

Used for a golf membership loan. Excellent service, speedy to get a decision with minimal fuss. Kept up to date with progress on my application at each stage. Final decision came through with a letter to confirm the outcome and payment schedule Reviewed on: 14th April 2025

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