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Clockwise Credit Union: Personal loans reviews

Name: Personal loans
Rating: 4.88 (2928 reviews)

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4.88

Based on 2,928 reviews, last reviewed 10th Feb 2026

200% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Very quick assessment time frame Very quick assessment time frame Reviewed on: 10th February 2026

Latest lowest rating:

2

They could not give me a loan because I live in Nort... They could not give me a loan because I live in Northamptonshire. I think they should have Northamptonshire back Reviewed on: 15th July 2025

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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 (2928)

Very helpful make u feel very welcome and staff will...

Very helpful make u feel very welcome and staff will try and help Regardless the situation get loan the same day Reviewed on: 23rd June 2025

Good loans company

Always had no issues in all the years i have been with them. Always had loans. Reviewed on: 23rd June 2025

5star service

Helped when needed it with the cost of living crisis Reviewed on: 23rd June 2025

Very helpful and quite easy to use I found logging i...

Very helpful and quite easy to use I found logging in online easier than using the app Reviewed on: 23rd June 2025

took a while to sort however great serive and coms

took a while to sort as they where very throrough, but helpful staff all they way made it nice and easy and now going down fast Reviewed on: 23rd June 2025

loan and was rejected because of my cr...t

Applied for a loan and was rejected because of my credit rating. Don’t see how they expect me to clear it without some help. They only Jude you by your credit score is they don’t look at the bigger picture and that annoys me. So I’m in debt paying it back but no they make us people suffer and we get no help at all Reviewed on: 23rd June 2025

I have always had a great experience with credit uni...

I have always had a great experience with credit union all staff are helpful professional and helpful Reviewed on: 23rd June 2025

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

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