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London Capital Credit Union: Loans reviews

Name: Loans
Rating: 4.9 (229 reviews)

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4.90

Based on 229 reviews, last reviewed 6th May 2026

13500% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

93%

2 star

Latest highest rating:

5

Reliable and easy to use service, very clear Reliable and easy to use service, very clear Reviewed on: 6th May 2026

Latest lowest rating:

1

Long time to make a formal decision Long time to make a formal decision Reviewed on: 2nd July 2025

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About this product

To apply for a London Capital Credit Union loan, you must first join as a member.

You have to pay your first deposit of £20 minimum to your London Capital Credit Union savings account before any loan funds can be paid to you. You can borrow between £200 and £30,000 (£40,000 if you’re a homeowner).

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

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London Capital Credit Union Loans reviews (229)

I am still waiting to hear from you

I am still waiting to hear from you Reviewed on: 29th May 2025

I am waiting patiently for my loan to come through a...

I am waiting patiently for my loan to come through and then I can review my experience Reviewed on: 28th May 2025

Easy and helpful loan.

Easy and helpful loan. I hot approved witjout hassle and it was a big help. The payment scheme is acceptable. Reviewed on: 26th May 2025

The process of applying for a loan was seamless.

The process of applying for a loan was seamless. When further information was required or when there was a delay in processing times, this was communicated clearly, efficiently, and timeously. Reviewed on: 25th May 2025

Extremely Disappointing Experience

Extremely Disappointing Experience – Felt Ignored and Dismissed I’m genuinely shocked and disappointed by my experience with London Capital Credit Union. I submitted a thorough loan application, including full documentation proving my affordability – permanent full-time employment at £45k per year, regular savings, and a profitable business. Despite this, I was declined without any clear explanation or meaningful engagement with the documents I provided. Every follow-up was met with vague, copy-pasted responses that showed little care or attention to my actual situation. Even after escalating, I was told my application didn’t evidence affordability – despite showing I could comfortably meet repayments within my salary alone. This process has been confusing, frustrating, and frankly quite distressing. As a member who has been saving with them, I expected a supportive and human approach – not cold bureaucracy. I no longer feel that this credit union operates in the spirit of supporting its members or providing fair access to financial products. Would not recommend based on my experience – especially to anyone hoping for a thoughtful or responsive service. Reviewed on: 23rd May 2025

Very good experience

Very smooth process, the process was very clear and understandable. Reviewed on: 23rd May 2025

HIGHLY RECOMMEND

Always such a fast response, always helpful and easy to access Reviewed on: 20th May 2025

Reply from London Capital Credit Union Hi Sarah, Thank you for sharing your experience. We’re delighted you find our service fast, helpful, and easy to access. Providing prompt and accessible support is what we try to deliver to all our members. Response date: 21st May 2025

Easy to apply and lots of options on how to repay

The process is straight forward and the every time I email them or if I have any questions they response back quickly. Reviewed on: 19th May 2025

Reply from London Capital Credit Union Hi Annabelle, We value your feedback and aim to provide quality service, ensuring a seamless and efficient experience. Response date: 20th May 2025

I have been with the credit union for many years and...

I have been with the credit union for many years and they have always been helpful Reviewed on: 19th May 2025

Reply from London Capital Credit Union Hi Beverley, Thank you for your email. We are glad that our services have helped you over the years. Response date: 20th May 2025

They had been very helpful.

They had been very helpful. I was with them for more than 15 years. Reviewed on: 15th May 2025

Reply from London Capital Credit Union Hi Flordeliza, Thank you for your review and for being a long-term member. We are pleased that we have been able to help. Response date: 15th May 2025

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