Borrowing Money

Applying for a Loan

How do I receive my Loan?

Loan Assessment Process

Free Life Insurance (Loans)

A Stack of Coins

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 pound.

Why is a Credit Union loan better?
*   Very competitive rates of interest

*   Repayments calculated on the reducing balance of the loan
*   Repayment terms to suit your particular circumstances
*   No other charges or fees;
    Additional lump sum payments accepted with no penalty
    Flexibility to make larger repayments than agreed without penalty

*   Free life insurance [subject to conditions]

 

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

Loan Provider

Headline APR

Payment per Month/week

Total Interest

Total to repay

FLM loans*

42.6%

100.47 P/month

100.47

1206.00

Natwest Bank**

27%

94.63 p/month

135.56

1135.56

Provident Personal Credit***

160%

24 p/week

944.00

1944.00

Cardiff & Vale Credit Union

21.7% on a reducing balance

93.00 p/month

109.93

1109.93

      Sources: * www.moneysupermarket.com, ** http://www.natwest.com/personal/loans.ashx, ***http://www.providentpersonalcredit.com/#

Loan Calculator

50-500 (2.00%)
501-1000 (1.65%)
1001-3000 (1.44%)
3001-5000 (1.15%)
5001+ (1.00%)
How much, in pounds, would you like to borrow? Repayment Amount
How often would you like to make repayments? Interest Amount
Over how long would you like to repay your loan? months Total Amount Payable
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Cardiff & Vale Credit Union is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 213467)