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Manchester Credit Union: Loans reviews

Name: Loans
Rating: 4.93 (2163 reviews)

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4.93

Based on 2,163 reviews, last reviewed 4th Mar 2026

66% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

4

Generally a great company It did take a while to be processed compared to other applications, but they are sometimes more willing than banks etc to consider you for a loan. The... Read more Reviewed on: 4th March 2026

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.

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Manchester Credit Union Loans reviews (2163)

Responds to emails very well, and explains in detail...

Responds to emails very well, and explains in details anything I need to know. Payments are made the same day, there’s no delays and communication is on point. Staff seems very friendly.. it’s a great service to have Reviewed on: 27th June 2025

I have been a member of Manchester Credit Union sinc...

I have been a member of Manchester Credit Union since 2014, and during this time, I have consistently benefited from their reliable and supportive financial services. Through their structured savings programs, I have been able to build my savings steadily, which has provided me with greater financial security and peace of mind. In addition to my own positive experience, I have recommended Manchester Credit Union to my husband and auntie, both of whom have also found the services excellent. My husband was able to access a loan with fair terms and transparent conditions, helping him manage important financial needs without unnecessary stress. My auntie, new to credit unions, appreciated the straightforward and welcoming approach, which made the process easy and reassuring for her. One of the key features I value is the flexibility they offer in managing repayments. Manchester Credit Union arranges for loan repayments to be taken directly and securely from your account, ensuring timely and hassle-free payments. Additionally, you can reduce your debt at your own pace by making payments conveniently through your bank, giving you control and ease in managing your finances. Importantly, their loan interest rates are affordable and competitive, making borrowing more accessible and less burdensome compared to many traditional lenders. This fair approach to interest helps members manage repayments comfortably while meeting their financial needs. Manchester Credit Union stands out for its commitment to member-focused service, offering both savings and loan products that are designed to support members’ financial wellbeing. Their approachable staff and community-centered values create a trustworthy environment where members feel valued and supported. Overall, Manchester Credit Union has been a vital financial partner for me and my family, helping us achieve our financial goals through accessible and fair products combined with exceptional customer care. Reviewed on: 27th June 2025

Fantastic Great for loans and savings

Fantastic Great for loans and savings Reviewed on: 27th June 2025

Perfect and quick.

Perfect and quick. Everything went smoothly and I was suprised how fast it all took from the registration, filling in details and getting the approval. I got the cash the same day, I would definitely recommend MCU. Reviewed on: 27th June 2025

Hassle free experience.

Hassle free experience. Straightforward with helpful customer service. I have been using credit union for years. Reviewed on: 27th June 2025

I started using MCU around 7/8 years ago and never h...

I started using MCU around 7/8 years ago and never had a problem. Everything from the application to now just needing to top up my family loan have been stress free and customer service is second to none! Thank you! Reviewed on: 27th June 2025

Easy to apply and excellent rates.

Easy to apply and excellent rates. Choices to pay back loan and flexibility for duration of the loan. Reviewed on: 27th June 2025

I’m Happy with credit union great customer service a...

I’m Happy with credit union great customer service and being able to get loan is great and being able to top up Reviewed on: 26th June 2025

Friendly staff always helpful and understanding

Friendly staff always helpful and understanding Reviewed on: 26th June 2025

I have had a really good experience.

I have had a really good experience. All staff I have ever spoke to have been really helpful and polite. I would definitely recommend. Reviewed on: 26th June 2025

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