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Manchester Credit Union: Loans reviews

Name: Loans
Rating: 4.93 (2165 reviews)

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4.93

Based on 2,165 reviews, last reviewed 6th Mar 2026

42% 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.

Manchester Credit Union Loans reviews (2165)

Review of the Manchester Credit Union, Loans:

There when I needed them

Credit union have helped me a lot I got a child benefit loan off them and I have been with them a few years now they have also let me take money out of my locked savings when I really needed to and I also have recommended them to a few people I know now instead of getting a high interest loan Reviewed on: 12th August 2021

Excellent

I was a little nervous about joining MCU but I found the process Very easy and quick. Communication was excellent and easy to follow. Would definitely recommend to family and friends. Reviewed on: 24th June 2025

Good as always

Good always fast and efficient and easy to Acess when needed Reviewed on: 24th June 2025

I have been with MCU now for several years and it’s...

I have been with MCU now for several years and it’s helped me out immensely, service is excellent and very helpful Reviewed on: 24th June 2025

Manchester credit union has helped me out a lot I ha...

Manchester credit union has helped me out a lot I have bin with them for about 8 years now so easy and simple and I always get the money the same day Reviewed on: 24th June 2025

Brilliant company

Credit union was recommended to me by family years ago and I've never looked back.since. Reviewed on: 24th June 2025

Fab service

MCU has been a great help to myself, the saving account is definitely worth it Reviewed on: 24th June 2025

Always easy to deal with and easy to access fund whe...

Always easy to deal with and easy to access fund when needed Reviewed on: 24th June 2025

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

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