Thistle Credit Union
A Better Way to Borrow
Affordable Loans and Secured Savings built for you
How much would you like to borrow?
Whilst every care has been made in the production of this calculator, Thistle Credit Union and its staff cannot be held responsible for any omissions, errors or other mistakes made. This calculator is for illustrative purposes only in order to give you an overview of the potential cost of borrowing. Please note that our loan calculator only applies to personal loans.
Our Services
Affordable Loans
Secured Savings
What Our Members Have to Say...
About Thistle Credit Union
Thistle Credit Union is a community owned financial co-operative providing affordable loans and secure savings to people living, working, studying and volunteering across the West of Scotland.
Founded in November 1991 under the name Blantyre Credit Union, we have over 30 years’ experience providing high quality financial services are now trusted by over 14,000 members across Lanarkshire, Ayrshire, Dumfries and Galloway and Falkirk.
Why Choose Thistle Credit Union?
Part Owner with Full Control
Your voice matters and as a part owner, have a say in how we operate.
Simplified Savings Solutions
Easy deposits with standing order, card payment and direct debit.
Borrowing Built for You
Our member focused, affordable loans are designed with you in mind.
Life Protection Included
Enjoy peace of mind with an extra level of financial security for your loved ones.
Banking at Your Fingertips
Manage your Thistle Credit Union account on our free mobile banking app.
Safe and Secure Savings
Your hard earned savings are protected under The FSCS.
Exceptional Member Service
Customer service that goes above and beyond, tailored to your needs.
Share in Our Success
Earn dividends on your savings whenever Thistle Credit Union turns a profit.
Community of Support
Join a community that values providing mutual aid and support to local people.
Latest News
4 Realistic Ways to Boost Your Monthly Breathing Space
Extra Income Advice: 4 Realistic Ways to Boost Your Monthly Breathing Space. Extra income doesn’t always mean a second job.
Borrow with Confidence: 4 Quick Questions to Ask Yourself Before You Apply
Borrow with Confidence: 4 Questions to Ask Yourself Before Applying for a Loan Borrowing can be a helpful way to
Celebrating Valentine’s Day on a Budget
Celebrating Valentine’s Day on a Budget: Without Missing Out Valentine’s Day doesn’t have to mean pricey plans or last-minute spending.
Let's Get Started
Join the growing movement revolutionising the way we borrow and save by opening your account today.
This form will take around 10 minutes to complete and you will need to provide the following information.
- Personal information such as your full name, date of birth and contact details
- Information for your beneficiary or next of kin
- Two forms of ID and proof of address
- Your bank details so you can save with us
Frequently Asked Questions
How much can I borrow?
You can apply to borrow up to £15,000 however, we cannot guarantee that you will be awarded the full amount. We operate on a points based system in order to ensure fairness and that any loan taken out with us will not cause your financial situation to worsen. We assess all applications on a first come first served basis.
How do I repay my loan?
Repayments are made through payroll deduction, standing order, paypoint, cash or direct debit. Unless otherwise agreed between us, the whole of each payroll deduction standing order, paypoint, cash or direct debit may be applied towards the repayment of the loan and the interest due on it.
How do I manage my account?
You can manage your Thistle Credit Union account online, on our free mobile banking app, over the phone or in one of our six branches across the West of Scotland where our friendly and highly trained staff are more than happy to help.
I'm struggling with repayments
We understand that life circumstances can change quickly. However, missed payments will have a negative impact on your credit score and your ability to borrow in the future. If you are struggling with repayments, please reach out to our team by phone or email. We are committed to doing what we can to support our members and find a sustainable way to continue to repay your loan without causing additional financial harm.
When can I apply for a loan?
You must be a member of Thistle Credit Union and over the age of 18. We recommend that you build a habit of regular saving for at least eight weeks before applying for a loan, it is a credit union requirement that you hold at least £10.00 in your savings account before you are eligible for a loan.
When can I reapply for a loan?
If your loan application has been declined, we recommend continuing to consistently save for at least eight weeks before reapplying. If there is advice specific to your circumstances, our member services officers will inform you when they confirm your loan decision.
When will I receive the money?
Once you have signed and submitted your final document showing you have agreed to the terms of the loan, you should receive the money the next working day.
Why was my application declined?
We reserve the right to decline certain applications and if we do reject an application, this will be following an assessment of the application by our personal lending team. A loan refusal simply means that on this occasion we feel unable to offer the amount you have applied for. In some circumstances, we may offer a reduced amount.
Thistle Credit Union
A Better Way to Borrow
Affordable Loans and Secured Savings built for you
How much would you like to borrow?
Whilst every care has been made in the production of this calculator, Thistle Credit Union and its staff cannot be held responsible for any omissions, errors or other mistakes made. This calculator is for illustrative purposes only in order to give you an overview of the potential cost of borrowing. Please note that our loan calculator only applies to personal loans.
Our Services
Affordable Loans
Secured Savings
Part Owner with Full Control
Your voice matters and as a part owner, have a say in how we operate.
Simplified Savings Solutions
Easy deposits with standing order, card payment and direct debit.
Borrowing Built for You
Our member focused, affordable loans are designed with you in mind.
Life Protection Included
Enjoy peace of mind with an extra level of financial security for your loved ones.
Banking at Your Fingertips
Manage your Thistle Credit Union account on our free mobile banking app.
Safe and Secure Savings
Your hard earned savings are protected under The FSCS.
Exceptional Member Service
Customer service that goes above and beyond, tailored to your needs.
Share in Our Success
Earn dividends on your savings whenever Thistle Credit Union turns a profit.
Community of Support
Join a community that values providing mutual aid and support to local people.
What Our Members Have to Say...
About Thistle Credit Union
Thistle Credit Union is a community owned financial co-operative providing affordable loans and secure savings to people living, working, studying and volunteering across the West of Scotland.
Founded in November 1991 under the name Blantyre Credit Union, we have over 30 years’ experience providing high quality financial services are now trusted by over 14,000 members across Lanarkshire, Ayrshire, Dumfries and Galloway and Falkirk.
Latest News
4 Realistic Ways to Boost Your Monthly Breathing Space
Extra Income Advice: 4 Realistic Ways to Boost Your Monthly Breathing Space. Extra income doesn’t always mean a second job.
Borrow with Confidence: 4 Quick Questions to Ask Yourself Before You Apply
Borrow with Confidence: 4 Questions to Ask Yourself Before Applying for a Loan Borrowing can be a helpful way to
Celebrating Valentine’s Day on a Budget
Celebrating Valentine’s Day on a Budget: Without Missing Out Valentine’s Day doesn’t have to mean pricey plans or last-minute spending.
Let's Get Started
Join the growing movement revolutionising the way we borrow and save by opening your account today.
This form will take around 10 minutes to complete and you will need to provide the following information.
- Personal information such as your full name, date of birth and contact details
- Information for your beneficiary or next of kin
- Two forms of ID and proof of address
- Your bank details so you can save with us
Frequently Asked Questions
How much can I borrow?
You can apply to borrow up to £15,000 however, we cannot guarantee that you will be awarded the full amount. We operate on a points based system in order to ensure fairness and that any loan taken out with us will not cause your financial situation to worsen. We assess all applications on a first come first served basis.
How do I repay my loan?
Repayments are made through payroll deduction, standing order, paypoint, cash or direct debit. Unless otherwise agreed between us, the whole of each payroll deduction standing order, paypoint, cash or direct debit may be applied towards the repayment of the loan and the interest due on it.
How do I manage my account?
You can manage your Thistle Credit Union account online, on our free mobile banking app, over the phone or in one of our six branches across the West of Scotland where our friendly and highly trained staff are more than happy to help.
I'm struggling with repayments
We understand that life circumstances can change quickly. However, missed payments will have a negative impact on your credit score and your ability to borrow in the future. If you are struggling with repayments, please reach out to our team by phone or email. We are committed to doing what we can to support our members and find a sustainable way to continue to repay your loan without causing additional financial harm.
When can I apply for a loan?
You must be a member of Thistle Credit Union and over the age of 18. We recommend that you build a habit of regular saving for at least eight weeks before applying for a loan, it is a credit union requirement that you hold at least £10.00 in your savings account before you are eligible for a loan.
When can I reapply for a loan?
If your loan application has been declined, we recommend continuing to consistently save for at least eight weeks before reapplying. If there is advice specific to your circumstances, our member services officers will inform you when they confirm your loan decision.
When will I receive the money?
Once you have signed and submitted your final document showing you have agreed to the terms of the loan, you should receive the money the next working day.
Why was my application declined?
We reserve the right to decline certain applications and if we do reject an application, this will be following an assessment of the application by our personal lending team. A loan refusal simply means that on this occasion we feel unable to offer the amount you have applied for. In some circumstances, we may offer a reduced amount.