Write a review

Manchester Credit Union: Loans reviews

Name: Loans
Rating: 4.94 (2057 reviews)

View other Manchester Credit Union products

4.94

Based on 2,057 reviews, last reviewed 5th Aug 2025

2978% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

The lady who helped me in the wythenshawe branch was... The lady who helped me in the wythenshawe branch was amazing thanks a lot for your help Reviewed on: 5th August 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

Read all reviews Write a review

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.

Review Manchester Credit Union: Loans now

Help others make smarter decisions by sharing your own experience.

Write a review

Manchester Credit Union Loans reviews (2057)

Amazing company

This company help indervidual people and the community are there hubs. I personally have a family loan with them wich help me out by topping it when I am in need ir school uniforms unexpected bill and recently funeral costs. My only fault is when I applied for slightly bigger loan I was refused just on my credit rateing I thought with me never missing a payment thing may of bee. Diffent unfortunately not so I am limited to 500 loan. There customer service is great always reply super fast and top ups are very straight forward. Reviewed on: 12th August 2021

Superb customer service at Manchester Credit Union, truly a credit union servicing the community.

I have experience of dealing with the management and board of Manchester Credit Union, they are fully committed to providing equitable community focused financial services, super management team and staff, Reviewed on: 3rd August 2021

Staff are friendly great way to save

Its a brillant idea having the help to be able to get a loan then paying it back as well as saving and the top up loans help a lot staff are also helpful and friendly Reviewed on: 3rd August 2021

Life saver

I first came across Manchester credit union at my local council office. I was really struggling as a single parent with 2 children to buy any Christmas gifts. I was accepted for a family loan from Manchester credit union and was able to make repayments at a very affordable rate. Manchester credit union has been amazing for me and better still I now have a nice pot of savings as a result. Reviewed on: 2nd August 2021

Would recommend a friend and family because credit union as help with family loan for Christmas

I got told about family top up loan when first got my loan it really help me out for Christmas as been on befits i dont get paid still end up so taken help me out and even better i knoe have save account with them too that come in hand Reviewed on: 2nd August 2021

AMAZING!!!

These guys are such lifesavers. When I am struggling with money they are always there to help. When applying for a loan they are quick to respond and to transfer the money. I can't thank you guys enough. Reviewed on: 26th July 2021

Life savers!

Credit Union have been a massive help in giving me affordable loans that are manageable and allow me to save at the same time. I got myself into a bit of a financial pickle however CU have helped me regain control of my finances without the feeling of stress and anxiety that usually comes with money worries. The staff are friendly and always willing to do the best to help you! Reviewed on: 19th July 2021

Family loan.

I love having the benefit of being able to save whilst paying off my family loan. I also like the fact we can top up the family loan because the more I top it up, the more savings I build up. It's money I can't break into until the loan is paid off. It means I have some funds for the future which is a massive bonus. Reviewed on: 14th July 2021

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

Amazing and helpful to a family

I applied for the family loan and I also save some money every month with credit union, I think there absolutely fantastic, There customer service skills are wonderful I've never once had a problem. It's a great service to have especially for families as we are to get a loan without paying over the odds on the repayment I have already recommended Manchester credit union and without a doubt would do most definitely again Reviewed on: 28th June 2021

Do you have a different Manchester Credit Union product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

BetterBorrow
from BetterBorrow 4.86 from 906 reviews
Loans
from NHS Credit Union 4.95 from 363 reviews
Personal Loan
from Loans 2 Go 3.20 from 15 reviews

Want to see more from Manchester Credit Union?

Savings
from Manchester Credit Union 4.90 from 480 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub