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London Capital Credit Union: Loans reviews

Name: Loans
Rating: 4.8 (602 reviews)

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4.80

Based on 602 reviews, last reviewed 19th Jun 2026

46700% increase in 5 star reviews

in the past 90 days

400% increase in 1 star reviews

in the past 90 days

91%

Latest highest rating:

5

Cost of living crisis! During this cost of living crisis, the products on offer by Capital Credit Union provide better financial benefits than many other lenders. For this r... Read more Reviewed on: 19th June 2026

Latest lowest rating:

1

unhelpful keep refusing my loan application, no prop... unhelpful keep refusing my loan application, no proper paperwork, no statements, account name does not match account details and is a fraud Reviewed on: 18th June 2026

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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 (602)

A loan that tricks you into being sensible-Genius

“A loan that tricks you into being sensible — genius.” Got mine through the credit union I already save with. Low interest, easy process, and it makes you save while you repay. Comes out of my wages before I can spend it on takeaway or impulse buys. Honestly, it’s the smartest I’ve felt in years. Reviewed on: 1st June 2025

Always so helpful and excellent with helping with lo...

Always so helpful and excellent with helping with loan sc and savings Reviewed on: 30th May 2025

Helpful, informative, and timely.

Helpful, informative, and timely. Reviewed on: 30th May 2025

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

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