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Wave Community Bank: Loans reviews

Name: Loans
Rating: 4.93 (222 reviews)

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4.91

Based on 222 reviews, last reviewed 11th Jul 2025

98% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

96%

2 star

Latest highest rating:

5

Always courteous, kind & helpful I've been fortunate enough to have been a recipient of several loans, but even when they couldn't help me their customer care is still outstanding. Reviewed on: 11th July 2025

Latest lowest rating:

N/A

This product has not received a review of either 1 or 2 stars.

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About this product

Wave Community Bank follow a strict ethical lending policy for loans.

There are no arrangement fees for a Wave Community Bank loan and repayments include a savings element so you build a savings pot as you pay off the loan. Loans are also available to members aged 70 and over.

Wave Community Bank loan reviews help you find out what it’s really like to be a customer. If you’ve used Wave Community Bank before, you can also leave a review and share your experience.

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Wave Community Bank Loans reviews (222)

There when you need them.

It’s reassuring to know that if I struggle with buying something that’s needed for the home, I can rely on credit union to help me out with a loan and not worry about paying back big interest rates. Reviewed on: 26th March 2021

Bringing a sensible and ethical approach to ensure sensible lending

ESCU are fabulous, they are the right balance of ethical, practical and professional and I love how they help you save as you are paying back your loan. The staff are genuinely interested in promoting healthy lending and general good money management practices and I have learnt so much from them and secured an affordable loan that is very manageable and which has saved another person from feeling forced into the dark side of lending. Thank you so much ESCU you do a fab job and I’m so proud to be a member too. Reviewed on: 9th March 2021

Excelent Professional and Ethical Loans & Savings Service

The ESCU have been crucial in helping improve my family finances after a large credit card debt owned to high street banks. It is reassuring to be dealing with a responsible and ethical banking option that promotes the well-being of our local community. Their staff of volunteers are extremely professional. HIGHLY RECOMMENDED! Reviewed on: 16th February 2021

Affordable loans

I had a very large vet bill to pay because my pet insurance refused to pay. I went to ESCU for help and they loaned me £500 ,so I paid back £55 per month ,£25 of which went into a savings account. You cannot access the savings until you have paid off your loan. Its a great way to borrow and save at the same time. Reviewed on: 16th February 2021

The first step to financial normality

The Credit Union first helped us get out of a cycle of debt mostly from Short Term loans, with a loan offering affordable repayments and a chance to build savings for our first time. The Annual Bus pass discount with Brighton & Hove buses for members helped us budget better by purchasing an annual pass with a 20% saving rather than paying for the monthly pass which worked out much more expensive and no discount. During lockdown we have taken out loans with the Credit Union that have been arranged at a real quick turnaround whilst still ensuring affordability in it's processing of applications, in fact the service feels more efficient now than ever before and a real person to say thank you to when the loan has been fully processed. Thank you ESCU for your part in our recovery Reviewed on: 15th February 2021

Good

Good to link savings and loans and lots of special offers Reviewed on: 15th February 2021

Brilliant support

A fantastic friendly company very supportive . Gave clear instructions for filling in forms and what the time frane would be for response Reviewed on: 15th February 2021

Great

Very efficient service and helped staff Reviewed on: 15th February 2021

The best British Bank for loans

Very fast and efficient service. Very customer friendly. It listens to individual circumstances and tries to accommodate the customers’ needs. In addition it tailors for the most needed. It’s approach is very flexible. Reviewed on: 15th February 2021

ethical lender

escu is a very high quality ethical lender that supports many at correct rates when others won't Reviewed on: 15th February 2021

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