Write a review

Go to business site

Capital Credit Union: Loans reviews

Name: Loans
Rating: 4.94 (754 reviews)

View other Capital Credit Union products

4.93

Based on 754 reviews, last reviewed 12th Dec 2025

100% 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 secured a loan with very low interest covered by m... I secured a loan with very low interest covered by my savings I can always speak to someone helpful and I like the ethics of this bank I am 72 and ap... Read more Reviewed on: 1st October 2025

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 Write a 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.

Review Capital Credit Union: Loans now

Help others make smarter decisions by sharing your own experience.

Write a review

Capital Credit Union Loans reviews (754)

Fantastic service!

I have been a capital credit union member for a few years now. I love that I can save money for Christmas it gets taken straight from my wages so I don’t miss it. I have also had loans and they offer a fantastic interest rate as well as allowing you to save and pay your loan off. I love ccu. Reviewed on: 14th April 2025

Outstanding service with a personal touch

I had a fantastic experience with Capital Credit Union during the application and administration process for my loan. Their service was both prompt and professional, ensuring the process was smooth and stress-free. What truly stood out was their person-centered and non-judgemental approach to conducting the assessment. It made me feel valued and respected throughout the entire experience. On top of that, they offered excellent terms that met my needs perfectly. I would wholeheartedly recommend Capital Credit Union for anyone seeking reliable and considerate support with financial matters. Reviewed on: 14th April 2025

Credit Union has made my life easier.

I have been a member of Credit Union, Edinburgh for a number of years. I have used it for loans and for saving. The system is easy to follow even for someone like me who fears technology. Ever member if staff I have been involved with have been excellent. Putting me at ease in a friendly and profession manner. Can’t praise them enough. Reviewed on: 14th April 2025

Every query I’ve always had answered and explained t...

Every query I’ve always had answered and explained the very same day. Everything with Capital credit union has been a breeze and the customer service is always top notch. Reviewed on: 14th April 2025

FLYING SKY HIGH

Obtained a loan which enabled me to finance my son on a “learn to fly course when he was 18 years old and now some 9/10 years later he only last week was officially promoted to positon of Captain with the JET 2 airline company Reviewed on: 14th April 2025

Simple, straightforward, affordable loans

The whole process of applying for a loan and receiving the funds was so straightforward and simple, I needed funds for Christmas and they were able to help me, it really removed the stress of the situation. And when I had to change my payment date I simply sent a message via the app and was replied to shortly after and the date changed to suit my circumstances, I really couldn’t rate the service higher Reviewed on: 14th April 2025

Best company

Being with credit union for years now there so helpful Reviewed on: 14th April 2025

Becoming aware of the credit union

Becoming aware of the credit union and its easy process to membership encouraged saving to enable a positive response when applying for a loan, and made saving part of creating both a safety net and a spring board for a rainy day or an emergency situation. Reviewed on: 14th April 2025

They gave me a loan and were amazing and was a strai...

They gave me a loan and were amazing and was a straight forward process Reviewed on: 14th April 2025

10/10 all round for capital credit union

I’ve always been quite good with money, but sometimes life just gives you a bit of a hard time. It’s good to know I can borrow from my credit union, reliably, and pay back on a schedule that suits my income. I’ve used it quite a lot over the last ten years, and I use the savings accounts too. Really cannot fault the service. What makes it better is being able to top up the loan, even if you’re only halfway through paying. As soon as the kids are old enough I’ll set up their own credit union account & teach them why it’s better than the bank! Reviewed on: 14th 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

Short-term loans
from Moneyboat.co.uk 4.88 from 560 reviews
Personal Loan
from Citrus Loans 2.33 from 3 reviews
Payday Loans
from Cashfloat 4.73 from 167 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