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Capital Credit Union: Loans reviews

Name: Loans
Rating: 4.93 (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.

Capital Credit Union Loans reviews (755)

Review of the Capital Credit Union, Loans:

Best place to get along with and get help

Best place to get along with and get help Reviewed on: 14th April 2025

Absolutely love credit union.

Absolutely love credit union. They have helped me is bad situations when struggling. Would recommend highly Reviewed on: 14th April 2025

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

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