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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

70% 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

Ease of Loan Application.

I approached Manchester Credit Union for a loan to cover home moving costs of removals, new carpets, window furnishings and gas cooker disconnection then reconnection fees. The online loan application process was clear, easy to complete and submit. I don't as contacted by email from that point on with the progress and whether the loan was available to me. Reviewed on: 31st July 2025

I have used credit union for years.

I have used credit union for years. This is the first loan I have had. It only took 3 day's to process. It was amazing how quickly it all went through. Thank you so much. Reviewed on: 29th July 2025

Super customer service and very understanding and ex...

Super customer service and very understanding and explained things in an easy process Reviewed on: 28th July 2025

Zooton was very helpful and supportive,

Zooton was very helpful and supportive, Reviewed on: 28th July 2025

Quick response

Quick responses, didn't need to speak to anyone on the phone which is great for my anxiety. Were clear with their requirements and evidence. Reviewed on: 23rd July 2025

Manchester Credit Union - always amazing

Manchester Credit Union - always amazing Reviewed on: 18th July 2025

Had problems with send email and the lady on custome...

Had problems with send email and the lady on customer services was brilliant helping me through my issues thank you Reviewed on: 18th July 2025

Excellent Service.

Quick Application and communication Reviewed on: 16th July 2025

Excellent service.

Staff are always very helpful and will go above and beyond. Also friendly and polite. Reviewed on: 15th July 2025

Very fast process and accepted me even with bad credit.

Very fast process and accepted me even with bad credit. Also helps me to save at the same time when repaying it back! Reviewed on: 15th July 2025

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