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Joshua R

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Review of the Manchester Credit Union, Loans:

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Loan was declined for lack of disposable income, how...

Loan was declined for lack of disposable income, however with a take home pay of £3000 and outgoings of around £1400 I had more than enough to cover £50 loan repayment. My outgoings were high on leisurely spending not regular outgoings. This is different to me not having sufficient disposable income. Unsure who underwrites the loans but clearly not within standards. - don’t waste your time. Reviewed on: 18th March 2026

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