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Review of the London Capital Credit Union, Loans:

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I was advised it is easy to get credit.

I was advised it is easy to get credit. Their advertising and promotion appears to promote this idea, which is totally untrue. It is a lie.I had a crisis and was asked questions about my income including any benefits I receive. This section was very detailed. After everything they turned me down, even though I have never been in receipt of benefits in my life. The income and expenditure information I gave indicated that I was able to afford my monthly payments and yet they still, very illogically refused my application for a very vital loan to save me from losing my car. I now have no means of transport for my family life, possibly due to a very outdated and highly inaccurate algorithm they deploy. LCCU have been zero help over the past 15 years and close to zero interest and nothing in the way of investment or any other banking products. Extremely poor. Reviewed on: 8th June 2026

Reply from London Capital Credit Union Thank you for taking the time to share your feedback. We’re sorry to hear about your experience and understand how disappointing it can be when a loan application is declined during a difficult time. We’d like to clarify that we do not advertise credit as “easy to get.” As a credit union, we encourage responsible borrowing, saving, and financial well-being, and we sometimes have to decline applications where we cannot evidence that the borrowing is affordable and sustainable. That decision is made to help protect members from getting into further debt and is part of our ethical lending approach. Response date: 9th June 2026

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