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Review of the Clockwise Credit Union, Personal loans:

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Honesty from girlie trying to survive cosi lives

Clockwise is really good if you are looking to up your credit score or are in a pinch but the apr is quite high so it can feel a little steep when you see that the repayment amount is almost half of what you borrowed but it’s usually available instantly if you are approved really easy to navigate the app and make repayments NO penalty for early repayments which I love and also top up loans 4 months after your first loan which is also great really! Overall trust worthy and no surprise fees or charges clockwise has helped me out of many tight spots Reviewed on: 29th May 2026

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