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Manchester Credit Union: Loans reviews

Name: Loans
Rating: 4.94 (2124 reviews)

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4.94

Based on 2,124 reviews, last reviewed 30th Dec 2025

70% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Great for those who are struggling for a short term... Great for those who are struggling for a short term loan no stress just comes out my child benefit great communication of you need help Reviewed on: 30th December 2025

Latest lowest rating:

2

I applied for a loan and got declined when I'm on ma... I applied for a loan and got declined when I'm on mat leave, universal credit and get child benefit yet got declined. Reviewed on: 4th July 2025

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About this product

Anyone who lives or works in Manchester, Tameside, Trafford, Rochdale, Stockport or High Peak and Bury can join Manchester Credit Union and apply for a loan.

Manchester Credit Union loans are available for up to £15,000. Members can clear the balance of a loan at any time and won’t be charged any early settlement fees.

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

Manchester Credit Union Loans reviews (2124)

Review of the Manchester Credit Union, Loans:

Given me the chance I needed.

Manchester credit union. If it wasn’t for Manchester credit union I would still be in unaffordable debt today due to high APR. Manchester credit union gave me a chance they spoke to me about my situation and what they could do to help. From leaving home at 17years of age I got trapped in the cycle of payday loans when my partner fell ill and we had rent, bills etc to pay on one wage, I was offered no support due to me having a “stable carer” and “apparently” earning enough to support us. I wasn’t clued up around anything like this and fell into the easiest option, This then made me stuck in loads of little loans and a giant impact on my relationship and mental health. I decided I had to consolidate all my loans, however due to the effect the payday loans had on my credit score (even though I’ve worked since being 15years old for the same organisation climbing the ladder and have paid phone contracts, internet etc) I managed to consolidate my loan with the help of a friend as a guarantor HOWEVER the APR on this was 50% meaning the debt I was in doubled and I found myself in a worse Position than before. I moved back home and with many tears, sleepless nights and research I stumbled across Manchester credit union, I was sceptical at first I wondered what the catch. After a phone call with them I was put very much at ease and was offered advice and support around my situation. The amount I wanted at first was a lot and we need to build a trusting relationship, they offered me a small loan that took straight out of my wages through my employer (I was embarrassed by this at first but we are human) for a very low APR. Six months of paying this small loan which was for over 12months I got in touch again with Manchester credit union to request a bigger loan this time to pay off my overly priced APR loan, Manchester Credit Union was happy well they did more than help they took my details and the company’s I had the high APR loan through and dealt with it all for me obviously updating me with the process along they way, this was very quickly sorted and I had officially half my debt! BUT not only have I halved my debt the loan payments I now pay to Manchester credit union WELL they only take some out and put it in a savings account for you!!! So not only am I getting out of debt I’m saving at the same time. I feel so much relief and very grateful for been given an opportunity that no one else would give me! I could pay the payments I was just never given the trust to show this. THANK YOU Reviewed on: 10th July 2021

Thank you Very helpful

Very helpful thanks I’ve found this so helpful when I need some extra help Reviewed on: 17th December 2025

Been excellent since I first took a loan

Been excellent since I first took a loan Reviewed on: 17th December 2025

Happy with how well everything works and how quickly...

Happy with how well everything works and how quickly issues are dealt with. Thr communication is great too. Reviewed on: 16th December 2025

Good service would use regular for my loans

Good service would use regular for my loans Reviewed on: 16th December 2025

Really good and very helpful and always their when n...

Really good and very helpful and always their when needed Reviewed on: 16th December 2025

Was a smooth one being the first time

Was a smooth one being the first time Reviewed on: 16th December 2025

Always available when I need them great service

Always available when I need them great service Reviewed on: 15th December 2025

Absolutely brilliant,l

Absolutely brilliant Manchester credit union have helped me out so much Reviewed on: 15th December 2025

Seamless experience, and a great rate

Seamless experience, and a great rate that helped me consolidate my debt and free up some money monthly for me. Reviewed on: 11th December 2025

MCU...Help when and where it's needed.

From beginning to the end of the process, Manchester Credit Union have been fantastic. They have helped to reactivate my account, took me through the loan application with ease and answered any questions that I had. They are very helpful, supportive and efficient. Thank you MCU for making this experience a valuable and easy one. Reviewed on: 10th December 2025

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