Write a review

Go to business site

Manchester Credit Union: Loans reviews

Name: Loans
Rating: 4.94 (2124 reviews)

View other Manchester Credit Union products

4.94

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

73% 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

Read all reviews See your 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.

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

Fast, efficient, warm and friendly and most of all u...

Fast, efficient, warm and friendly and most of all useful. Reviewed on: 14th November 2025

Always been an amazing helping hand to me

Always been an amazing helping hand to me Reviewed on: 13th November 2025

Great from the start, kept me update and very fast s...

Great from the start, kept me update and very fast service. Reviewed on: 11th November 2025

Always there for you.

You have always been there for anyone in need and so helpful. You have lots of patience with those that are not very technical in applying on line for loans, thank you to a great team Reviewed on: 10th November 2025

Fast financial help at hand!

After a unexpected family crisis I was left in abit of a mess financially with no family or friends to help me out I turned to Manchester Credit Union to apply for a loan as a last resort. Within 2hrs I had done the application, it was accepted & the money was transferred into my bank account!! They completely saved me & my children (more importantly) from going without until my next payday. I couldn't be more grateful to them. Reviewed on: 7th November 2025

I have used credit union servces for many years and...

I have used credit union servces for many years and found the whole process very easy and their rates are very very reasonable.. Reviewed on: 3rd November 2025

Very good and easy to use, especially online.

Very good and easy to use, especially online. Reviewed on: 31st October 2025

Good get money on time everytime

Good get money on time everytime Reviewed on: 30th October 2025

I found the whole process from applying, to sending...

I found the whole process from applying, to sending in details needed very easy and straight forward. Reviewed on: 30th October 2025

Always really easy to use and very helpful

Always really easy to use and very helpful Reviewed on: 28th October 2025

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

Personal loan
from Bamboo Loans 4.91 from 13934 reviews
Personal Loan
from Everyday Loans 4.85 from 4954 reviews
Personal Loans
from Cockle Finance 4.98 from 813 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