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Capital Credit Union: Loans reviews

Name: Loans
Rating: 4.89 (757 reviews)

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4.89

Based on 757 reviews, last reviewed 24th Aug 2026

200% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

96%

Latest highest rating:

5

They have excellent rates and respond very quickly. They have excellent rates and respond very quickly. I like the app and online experience that they provide. Reviewed on: 24th August 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 (757)

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 low income families. Reviewed on: 14th April 2025

Reply from Capital Credit Union Thank you for your feedback – we really appreciate you taking the time to share your experience. We regularly review all of our products to ensure they’re meeting members’ needs and offering good value. The Loyalty Advance was designed to provide quick access to funds for members with existing savings, but we understand it may not suit everyone. We’re always open to hearing how we can improve, and your comments will be shared with our team as part of our ongoing product review process. Response date: 21st April 2025

Always been there for us.

CCU have helped on countless occasions over the years. Especially when we had a young family. They understood our situation better than any other provider. Had numerous loans and savings accounts can’t get better customer service or support Reviewed on: 14th April 2025

Excellent service received for over 20 years as a me...

Excellent service received for over 20 years as a member Reviewed on: 14th April 2025

Help Was There When It Was Needed Most

This was some time ago, but I had just bought a house one year after starting a new job (where I am still employed after two decades). A work colleague suggested I open a savings account with Capital Credit Union. I did (barely able to afford to save anything in those days) but more importantly when old household appliances began to break and needed replaced I was out of options: the high street banks weren't interested as I didn't earn a lot back then even though I had a permanent, secure job, and the tiny amounts I was able to save each month meant it would literally take years to save up for these items (one item was a new washing machine, so going for years without one was not an option!). Repayments on store or credit cards would have been more than I could afford to repay each month due to the high levels of interest. So I applied to Capital Credit Union who were happy to help and provided me an affordable loan. It was then I encouraged family members to become Capital Credit Union members too. Two decades later I'm still a member saving each month. I haven't applied for a loan in many years as I have been promoted a few times at my work and life is much more comfortable now. But the important point is: I am happy to be a member of an organisation which today will be offering help to those who are unable to receive it elsewhere, people who are in the situation now where I was when I was starting out. I am proud to support such an organisation as this which was there to give me help when it was needed most. Reviewed on: 14th April 2025

Very helpful staff for my urgent needs

Very helpful staff for my urgent needs Reviewed on: 14th April 2025

Loan and saving together

Was able to pay off loans early due to building up my savings Reviewed on: 14th April 2025

Supportive and patient staff

I have felt supported whilst going through the process of applying and being accepted. The staff have always been friendly and understanding of my difficulties, so have been very patient with me. They have taken the time to explain the procedure so that I am fully informed of the process. Reviewed on: 14th April 2025

Great Experience All Round!

Friendly staff, clear, honest and genuine information and great customer service. Reviewed on: 14th April 2025

Easy & quick to apply.

Easy and quick to apply. Could be better at keeping customer up to date. Reviewed on: 14th April 2025

Applied for a loan

Applied for a loan and the money was placed into my bank within a couple of days Reviewed on: 14th April 2025

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Capital Credit Union: Loans reviews

200% increase in 5 star reviews

No new 1 star reviews

Latest highest rating:

5

Latest lowest rating:

1

About this product

Review Capital Credit Union: Loans now

Capital Credit Union Loans reviews (757)

No real benefits for a loyalty advance

Always been there for us.

Excellent service received for over 20 years as a me...

Help Was There When It Was Needed Most

Very helpful staff for my urgent needs

Loan and saving together

Supportive and patient staff

Great Experience All Round!

Easy & quick to apply.

Applied for a loan

Review Capital Credit Union: Loans now

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