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Clockwise Credit Union: Personal loans reviews

Name: Personal loans
Rating: 4.79 (4558 reviews)

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4.79

Based on 4,558 reviews, last reviewed 27th Aug 2026

40% decrease in 5 star reviews

in the past 90 days

300% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

I have been accepted for a personal loan, with a poo... I have been accepted for a personal loan, with a poor credit score. Reviewed on: 27th August 2026

Latest lowest rating:

2

Been with clockwise for years never had a problem. Been with clockwise for years never had a problem. But the past 12months they wont let me have a loan despite my benefits going into there account. I ... Read more Reviewed on: 2nd July 2026

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About this product

You can borrow between £50 and £10,000 with a Clockwise Credit Union personal loan.

Repay weekly, fortnightly or monthly with no fees if you choose to repay the full loan early. There’s an option to top up your loan after four months and support is available over the phone, online or in-branch.

Clockwise Credit Union personal loan reviews help you find out what it’s really like to be a customer. If you’ve used Clockwise Credit Union before, you can also leave a review and share your experience.

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Clockwise Credit Union Personal loans reviews (4558)

Amazing and they are very helpful and fast responding

Amazing and they are very helpful and fast responding Reviewed on: 23rd June 2025

Best and safe place to borrow or save

I came needing financial help being alone parent on universal credit and working part time. I needed to buy house furniture and fix my car, I was able to get a loan that was suitable for my needs but that I could also easily repay back without feeling it wasn't manageable for me. The the adviser was very useful and made me understand that it's not just about borrowing money its also affordability so that whatever I earned as my main source of income I could keep most of it instead of paying back a huge loan. Together we worked out how much I could pay back weekly and from where the money will come from. I use my child benefit income meaning I keep all my universal credit and work money which is great as I dont feel any burden or pressure wnen it comes to repayments. After positive years of borrowing from the service now if I wanted to borrow I just log on online, I put my application in and within a few hours or less im approved, it might not be the amount that I want as a loan example if I have an existing loan already in place but remember affordability is always taken into account which is why I come back over and over again to use the service as im not just being given the money then struggle to repay back. Im always happy that I'm asked if I want to go ahead or stop application when applying online because it allows me to make more informed decision in my own home and time if I'm still interested and that I'm under no pressure. I've been using the service for about 7 years now and it's the best place to borrow responsibly. As I said my repayment comes from my child benefit so as soon as I'm paid it the loan is taken from that money and the rest is straight away put back in my main account which I can access easily. I can not recommend this company enough. Thanks for providing this service to us, I always recommend it to anybody in financial hardship looking for a good and safe place to get a loan responsibly. Reviewed on: 23rd June 2025

Good company

Good company especially with their loans and low interest rates provided. The application time is brilliant and you also get offered something and you are able to pay it back easily with no hassle at all. The staff are.also friendly and very helpful. Reviewed on: 23rd June 2025

Loving it

Easy process no hassel. Give me what I need. Not a troublesome process Reviewed on: 23rd June 2025

I’ve found the process very easy, you get a quick de...

I’ve found the process very easy, you get a quick decision will definitely use them again and recommend to family/friends Reviewed on: 23rd June 2025

Great experience overall.

Great experience overall. Will highly recommend. Reviewed on: 23rd June 2025

Allways happy to help me when I get stuck with money...

Allways happy to help me when I get stuck with money problems Reviewed on: 23rd June 2025

helped me out massively.

helped me out massively. really supported my family. without the help of a loan we would have been in terrible trouble. i wish to thank you so so much. the website is easy to use and the phone lines never tend to be overly busy. thanks again Reviewed on: 23rd June 2025

Easy to apply.

Easy to apply. Customer service isn't always great, they sometimes don't reply at all. Reviewed on: 23rd June 2025

Clockwise was a great source of support at a time wh...

Clockwise was a great source of support at a time when it was most needed. After a long period of stability in my life things changed. A loan from credit union helped put me back on the road to stability. Reviewed on: 23rd June 2025

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