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tel: 029 2087 2373     mail: info@cardiffcu.com

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* The interest rate you pay, and the amount you are able to borrow may vary depending on your saving and loan record with the credit union.

* All figures given on this website are for your general information only, and give an estimate guide to loan repayments. Any statements on this website do not purport to be authorative or legally binding.

* All information contained on this web page is correct at time of publishing. The Credit Union accepts no responsibility for errors due to changes in rates or offers which have occurred after this date. You are advised to check with our offices for up-to-date rates and offers.

Christmas Loan Offer 2017 

 Christmas Loans

Our Christmas loan offer with discounted interest rates is still available until 31st December 2017. However please note that if you haven't yet applied, we cannot guarantee a loan decision on your application before Christmas. Due to high demand, loan decisions can take up to 10 working days. 

We offer loans to allow our members to spread the cost of Christmas at discounted loan offer rates. Please select the Christmas loan option on the payment calculator above to find out how much a loan will cost you. features of this year's deal include:

Saver Reward Loans from 3.9% APR

Rewarding our savers is a priority for us: that's why we reserve our best loan rates for those who save with us, and agree to keep their savings held in their account until their loan is repaid.  

If you have savings in your account which match the full loan value you are applying for, and agree to keep you savings locked into your account for the term of your loan, you will be entitled to our discounted loan rates our savers:

Our rate is very competitive, and we believe is one of the best rates currently available on the High Street. if you would like to apply for a saver reward loan, you can apply by logging into the members' area of our website.

Home Improvement Loans 

For those embarking on a home improvement project, we offer loans of up to £15,000. See below our examples of typical loan repayments for low and high value loans. Contact us for more details or apply online today if you have a home improvement plan we can help turn into a reality. 

Low Value Loans up to £2,000

Many of our members are looking for affordable low value loans under £2,000, and we specialise in offering these type of loans, which prevents having to use more expensive options, which can include overdrafts, credit or store cards, home lenders and payday lenders. 

Our loans calculator above can be used to show how much you can save by borrowing from us for a low value loan. 

Higher Value Loans Over £2,000

For those looking for loans for a larger amount, for example for home improvements, cars or a wedding, we offer competitve loans up to the value of £15,000 in excess of the savings a member holds with us.  So, for example, if you have £2,000 of savings, you can apply for a £17,000 loan.  The table below gives some illustrative examples: 

Loan Value & APR% Monthly Repayments Total Repayable
£5,500 (12.7% APR) £258.91 per month
for 24 months
£8,000 (12.7% APR) £265.72 per month
for 36 months
£10,000 (12.7% APR) £276.51 per month
for 48 months

Please note that the final monthly repayment will differ to the amount shown above. These are standard rates for illustration purposes only: applicants may be entitled to a loyalty or promotional rate which will reduce the monthly repayments and total amount repayable.

Loans to Consolidate Credit  

If you currently have outstanding credit with overdrafts, credit cards, store cards or loans etc, you may be making a number of repayments througout the month at different interest rates.  A loan to consolidate your credit would allow you to make one monthly repayment at a fixed rate.  Our credit consolidation loan is offered at 41.2% APR for loans up to £1,000, and 18.9% APR for higher value loans.

When considering debt consolidation, it's important to consider what you want to achieve and what is most important to you, for example:

- including all your existing credit repayments in one monthly payment for convenience
- reducing the overall cost of borrowing
- reducing monthly repayments

We cannot guarantee that these options will reduce the overall cost of borrowing - this will depend on the on the interest rates you currently pay on your outstanding credit. We strongly recommend that you compare these with the the cost of our credit consolidation loan before deciding if this product is right for you.

Please note that if you have an existing loan with us, and apply for a top-up loan, the loan offered to you will be at the credit consolidation rate if either your existing loan or new loan application is for this purpose. We would therefore recommend repaying any standard existing loans with us first before applying for this product.

Please talk to us about whether consolidating your debt with us could save you money and help you clear your outstanding balances. 














Cardiff & Vale Credit Union. Registered office: The advice Hub, Second Floor Central Library The Hayes Cardiff CF10 1FL Telephone 029 2087 2373
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority 213467

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