Loans Personal Loans

Borrow for this Christmas and SAVE for next Christmas

Don't miss out on this offer

*******Christmas loan for new members and those members who have never borrowed from us before up to £1,000 paid over 12 months - £101 to loan and £19 to savings gives you a start for next Christmas.********

Existing members who have borrowed before please apply as normal.

*3 - T’s & C’s apply

Personal Loans

Our Personal Loans are a great way to get the most from your savings. Whether you need that little extra for the big family holiday, a DIY project or that car you've always wanted, a loan from us might just be what you've been looking for.

You can continue to build up your savings and attract a potential dividend whilst you repay,

  • Take full advantage of our Life Savings and Loan Protection Insurance*1 *2
  • Spread the loan over 5 years

What are the benefits of Personal Loans?

  • You can continue to build up your savings and attract a potential dividend whilst you repay
  • Spread the loan over 5 years
  • Free Loan Protection Insurance*1&2
  • No set-up fees
  • No admin charges
  • No early repayment penalties

How do I apply?

Loan applications can currently be made by applying via our:

If you're applying online we'll need you to send us through your last three months bank statements and proof of your income i.e. your most recent wage slip or benefit letter. You can send this by email to or by post to our main office. We'll call you when the loan is ready or if we need some more information, from there you'll need to drop by one of our offices to sign some paperwork.

If you're applying in one of our offices just fill in the loan application form, don't worry if you don't have a printer you can pick them up at any of our offices. We'll take your loan application and other supporting documents from you and from there we will be able to advise you on how long it may take us to process your application.

You should also bring with you some form of ID to allow us to confirm your identity.

The small print...

No loan is guaranteed and is subject to terms and status, for more information about our loan terms and conditions click HERE.

*1 Subject to terms and conditions. Certain restrictions apply based on savings balance and on age at death or age when savings were made. Each Credit Union has individual limits and restrictions which may vary over time. Ask your Credit Union for details about the Life Savings protection they provide.

*2 Subject to terms and conditions. Cover limits vary and certain restrictions apply based on age and cover. Please ask your Credit Union for individual limits and restrictions.

*3 Max £1,000 over a 12 month period at 42.6% APR

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Thistle Credit Union is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our FRN is 213669