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Review of the Clockwise Credit Union, Loans:

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Best and safe place to borrow or save

I came needing financial help being alone parent on universal credit and working part time. I needed to buy house furniture and fix my car, I was able to get a loan that was suitable for my needs but that I could also easily repay back without feeling it wasn't manageable for me. The the adviser was very useful and made me understand that it's not just about borrowing money its also affordability so that whatever I earned as my main source of income I could keep most of it instead of paying back a huge loan. Together we worked out how much I could pay back weekly and from where the money will come from. I use my child benefit income meaning I keep all my universal credit and work money which is great as I dont feel any burden or pressure wnen it comes to repayments. After positive years of borrowing from the service now if I wanted to borrow I just log on online, I put my application in and within a few hours or less im approved, it might not be the amount that I want as a loan example if I have an existing loan already in place but remember affordability is always taken into account which is why I come back over and over again to use the service as im not just being given the money then struggle to repay back. Im always happy that I'm asked if I want to go ahead or stop application when applying online because it allows me to make more informed decision in my own home and time if I'm still interested and that I'm under no pressure. I've been using the service for about 7 years now and it's the best place to borrow responsibly. As I said my repayment comes from my child benefit so as soon as I'm paid it the loan is taken from that money and the rest is straight away put back in my main account which I can access easily. I can not recommend this company enough. Thanks for providing this service to us, I always recommend it to anybody in financial hardship looking for a good and safe place to get a loan responsibly. Reviewed on: 23rd June 2025

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