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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.

Capital Credit Union Loans reviews (755)

Review of the Capital Credit Union, Loans:

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

CCU loans

used this service for short term loans for holiday trips. Easy to arrange and helpful staff Reviewed on: 26th June 2025

My wife already used them and when I spoke to them t...

My wife already used them and when I spoke to them they were polite, Friendly and informative. They made it so easy to understand everything from start to finish and their after care is brilliant. Reviewed on: 26th June 2025

Helpful, friendly advisors who talked me through my...

Helpful, friendly advisors who talked me through my loan application Reviewed on: 26th June 2025

A very professional team that was helpful in keeping...

A very professional team that was helpful in keeping me right with the correct product Reviewed on: 26th June 2025

Been there when needed help I remember our TV broke...

Been there when needed help I remember our TV broke i explained the problem and Capital credit union had a loan arranged and money in my bank. That afternoon so we went to john lewis and what a tv with a five year guarantee, I can't thank them enough Reviewed on: 26th June 2025

I have been with ccu for 15 years they help...

I have been with ccu for 15 years they help me always Reviewed on: 26th June 2025

Quick and easy

No waiting on the phone, get to speak to real people who want to help. Loan decision was quick and easy and money was in my account in a few days. Breath of fresh air compared to the palava with the big companies. Reviewed on: 26th June 2025

It’s flexibility and I’m so happy to borrow money fr...

It’s flexibility and I’m so happy to borrow money from capital union Reviewed on: 26th June 2025

Just a great experience all in.

Just a great experience all in.from start to finish very helpful and guided by staff the best way forward. Reviewed on: 26th June 2025

Exellent

Very understanding and helpfull i have used them for over 10 years Reviewed on: 26th June 2025

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