Write a review

Go to business site

Manchester Credit Union: Loans reviews

Name: Loans
Rating: 4.94 (2068 reviews)

View other Manchester Credit Union products

4.94

Based on 2,068 reviews, last reviewed 7th Oct 2025

92% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Effective application process , helpful staff and qu... Effective application process , helpful staff and quick responses to queries and processing Reviewed on: 7th October 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 (2068)

fast and responsive as usual

Always been fast and responsive, and an absolute lifesaver in times like these the whole process is so simple, just go on app and everything is literally there for you to click to make things smoother and easier. It’s also transparent as they give all the information there and then. Reviewed on: 24th June 2025

Great experience & customer service

MCU helped me immensely when I was struggling over Christmas & out of work a few years back. The process was really easy & the customer service was brilliant. The app is very simple to use & I can top my loan up every year if needed. I also withdrew my savings from it last year & completely renewed my loan which meant I didn’t have to worry about school uniforms! The money was in my bank within a couple of days. I once had an issue with renewing so I rang them and they got it sorted within a few minutes and the money was sent straight over. I know loans aren’t supposed to be ‘the answer’ but when you’re struggling and on low income, these are a fantastic resource that can be used. Reviewed on: 24th June 2025

Great service

5 star I’ve had a fantastic experience with my credit union. The ease of use is one of the standout features — everything from managing my account to making repayments is simple and straightforward. I especially appreciate the low repayments, which make borrowing feel manageable and stress-free. One of the best options for me has been the Family Loan — it’s flexible, with fair terms, and has really helped me handle expenses without the pressure of high interest. I also use a savings account, which makes it easy to put money aside regularly and build up a little safety net. Overall, I highly recommend credit union banking to anyone looking for a more personal, community-based financial service that puts members first. Reviewed on: 24th June 2025

Very easy to access and work the app

Very easy to access and work the app Reviewed on: 24th June 2025

Brilliant service, always rely on my savings to get...

Brilliant service, always rely on my savings to get me through the month I think this service helps a lot of young mums who struggle. Reviewed on: 24th June 2025

Brilliant

I have been using Manchester Union for almost 5 years now and can say it is brilliant. It has pulled me out off some sticky situations in the past and it also saves money in the savings account which I will be putting into my daughters bank account! Service is brilliant i have never had an issue thank you Reviewed on: 24th June 2025

Very good

Very good. Helped me a lot when I’ve needed it Reviewed on: 24th June 2025

Just so easy and simple best loan company I’ve used...

Just so easy and simple best loan company I’ve used and saving Also makes it a great company Reviewed on: 24th June 2025

Really easy to use good for saving money.

Really easy to use good for saving money. Reviewed on: 23rd June 2025

Always had a pleasant service whenever I have needed...

Always had a pleasant service whenever I have needed any help or advice Reviewed on: 23rd June 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 Loans
from Cockle Finance 4.98 from 813 reviews
Short-term loan
from WageDayAdvance 4.96 from 284 reviews
Personal loan
from Creation 3.43 from 55 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