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Capital Credit Union: Loans reviews

View other Capital Credit Union products
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
See only 5 star reviews
97%
See only 4 star reviews
2%
See only 3 star reviews
0%
See only 2 star reviews
0%
See only 1 star reviews
1%

Latest highest rating:

5

Rates excellent on member loans. Rates excellent on member loans. Reviewed on: 22nd January 2026
Andrew F's avatar
Andrew F

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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G t
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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)

10/10 all round for capital credit union

5
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
Eternal's avatar
Eternal

Amazing customer service

5
Always helped when I didn’t understand something and made my feel at ease with my anxiety when speaking on the phone. Reviewed on: 14th April 2025
Stacey D's avatar
Stacey D

Very good - positive communications

4
Very good - positive communications Reviewed on: 14th April 2025
Alex M's avatar
Alex M

Customer service

5
Was put at ease & everything explained clearly. Staff always polite,friendly when I have had to call. Nothing is a bother. Reviewed on: 14th April 2025
Lynda Howie's avatar
Lynda Howie

First Class Loans and Service

5
Had many loans over many years and always received 1st class service from extremely helpful staff Reviewed on: 14th April 2025
Hugh S's avatar
Hugh S

Very quick friendly service.

5
Very quick friendly service. Good interest rate. quick and convenient. Reviewed on: 14th April 2025
Michael C's avatar
Michael C

Stress-free

5
Performance has been consistently reliable, with smooth functionality and minimal bugs. It was swift, user friendly Reviewed on: 14th April 2025
Victor A's avatar
Victor A

I have been a member with ccu for 15 years and being...

5
I have been a member with ccu for 15 years and being on benefits it’s hard to get any loan they have been amazing and help me so much Reviewed on: 14th April 2025
Marianne nicholson 's avatar
Marianne nicholson

I have been a member for about 30 years and have alw...

5
I have been a member for about 30 years and have always been very happy with the help and services Reviewed on: 14th April 2025
Linda's avatar
Linda

First time I saw this was online and didn’t know muc...

5
First time I saw this was online and didn’t know much about them but I joined from then I have saved money and taken out loans won a lottery I can say this bank is very good if yiir trying to save or other thing they have help me out so much when I need a loan to Help my mom and other family members they do have the best interest to heart I would recon med this bank company to any one one of the best Reviewed on: 14th April 2025
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Jason vanhorne

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