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Manchester Credit Union: Loans reviews

Name: Loans
Rating: 4.94 (2124 reviews)

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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

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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 (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

MCU Loans

I recently used Manchester Credit Union’s loan service and had a really positive experience. The application process was clear and straightforward, and the team kept me updated at every stage. The staff were friendly, supportive, and always happy to answer my questions, which made everything feel much less stressful. The loan was approved quickly, and the repayment terms are fair and affordable compared to high street lenders. I really appreciate how Manchester Credit Union focuses on helping local people rather than just making a profit. I would highly recommend their loan service to anyone looking for a safe, reliable, and community-focused alternative. Reviewed on: 16th September 2025

They are the best loan company I have delt with affo...

They are the best loan company I have delt with afford able and easy to use app always reliable Reviewed on: 15th September 2025

The Community Bank with A Buzz

Manchester Credit Union makes your money goes further it helps build savings whilst borrowing every penny counts Reviewed on: 9th September 2025

They are fast efficient well done

They are fast efficient well done Reviewed on: 3rd September 2025

very good service from start to finish, very helpful...

very good service from start to finish, very helpful staff. Reviewed on: 1st September 2025

Fast and transparent loan process, offering many pro...

Fast and transparent loan process, offering many products tailored to your specific needs. Reviewed on: 13th August 2025

Loans and savings are quickly answered by the team.

Loans and savings are quickly answered by the team.I just love Manchester Credit Union Reviewed on: 12th August 2025

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

Excellent customer service

The staff are very professional and keep you informed every step of the way Reviewed on: 4th August 2025

Always helpfull.

Always helpfull.kind caring makes you feel at ease and not ashamed very understanding Reviewed on: 31st July 2025

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