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Clockwise Credit Union: Personal loans reviews

Name: Personal loans
Rating: 4.80 (4542 reviews)

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4.80

Based on 4,541 reviews, last reviewed 13th Jul 2026

1423% increase in 5 star reviews

in the past 90 days

500% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

easy to use Great customer service and easy to use, really helped me when I needed it the most it was so simple to apply and get a loan Reviewed on: 13th July 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 (4542)

Nottingham Credit Union Loan Charges - over 42%

I've always been supportive of Credit Unions and have always promoted them as my local credit union was a family lifeline when I was growing up in the 70s and 80s. I helped to develop a community credit union which eventually merged with the newly formed Nottingham Credit Union about 15 years ago. In Early 2024, I read an article saying that Credit Unions needed to lend out more quality loans. I had just returned from honeymoon, had a bank overdraft from Christmas costs and my company messed up my January and February salary so I was experiencing a mini financial crisis. So I approached the Credit Union as someone who had borrowed at least 12 loans previously to consolidate my debts of £6,000 to be repaid at £800 per month as my salary was now sorted and I could afford it. The Loans Officer got back to me to say that the decision was to provide me with a loan of £3,000 over 24 months @ 42.6% APR - yes you've read that correctly - 42.6% APR or 3% per month. I told them that I just wanted to support my Credit Union but it wasn't feasible to change my overdraft at 18% into a Credit Union loan at more than twice the APR. And that I only needed the debt for about 6 or 7 months and that I didn't want to be indebted for two full years. He said that their charges were loan industry standard. I just couldn't believe the poor advice I was being given and felt saddened that my Credit Union has turned into a higher-cost loan provider. So I just asked my bank for the £6,000 which was in my account within 9 minutes @ 14.2% - one third the cost that the Nottingham Credit Union was trying to charge me as a member of 22 years with no payments missed. So my advice is to use the Credit Union for very small loans under £1,000 but be careful what they charge you for higher loans above £1k - they say they are ethical but they didn't prove it on this occasion. I'm no longer a member. Reviewed on: 15th May 2024

Since becoming a member more than 5 years ago I have...

Since becoming a member more than 5 years ago I have not been disappointed. Good customer care Reviewed on: 10th May 2024

Friendly staff, great customer service, affordable l...

Friendly staff, great customer service, affordable loans and great for saving. Reviewed on: 30th April 2024

Credit union is for people not profit and understan...

Credit union is for people not profit and understand people situation. You can get emergency loan even when you have another loan already with them. Reviewed on: 25th April 2024

Not bad good when you are desperate to have a loan

Not bad when you want a loan the interest is is higher that the the high street banking loan Reviewed on: 24th April 2024

Good customer service from Notts and Lincs Union!

I have received good customer service from Notts and Lincs credit union - helped with the service provided for a loan and explained the paying back procedure. Reviewed on: 22nd April 2024

Fantastic Thankyou

Brilliant service have helped me numerous times. Always been quick to respond to any queries. Would highly recommend Thankyou very much Reviewed on: 22nd April 2024

Fab service

Very friendly will give 100% time into helping you get the best Reviewed on: 22nd April 2024

I recommend it

Good company , professionals work . Thank you . Reviewed on: 21st April 2024

Excellent customer service, really easy to use and o...

Excellent customer service, really easy to use and offer sensible affordable loans. Reviewed on: 21st April 2024

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