Cardiff Credit Union: Borrowing Money

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Credit Union loans are very competitive and straightforward.

Use the loan calculator to see what you can afford. Repayments will be rounded up to the nearest £.

Why is a Credit Union loan better?
* Free life insurance [subject to conditions]
*   No hidden fees or transaction charges
*   Very reasonable interest rates - our typical rate is 12.7% APR
*   Repayments calculated on the reducing balance of the loan
*   Repayment terms to suit your particular circumstances
* No early repayment penalty
*   Additional lump sum payments accepted with no penalty
*   Flexibility to make larger repayments than agreed without penalty

Compare our rates with your store card or credit card or the exhorbitant rates charged by a doorstep lender.

Source of Credit	Typical Interest Rate (APR)	Weekly Repayment	Total Interest	Total Cost of the Loan
£300 Credit Union Loan	12.7%	£7 for 46 weeks	£16.26	£316.26
£300 Provident Personal Credit Loan*	272.2%	£10.50 for 52 weeks	£246	£546.00

* Information sourced from Provident website (www.providentpersonalcredit.com) 19/02/10

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