Join us


Join Our Local Revolution for Savings & Loans

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

Loan Products

Join Our Local Revolution for Affordable Loans!

New and existing members can apply for a loan up to £15,000 for any purpose, and decisions are based on affordability and ability to repay.  Please see below for some of our deals.  When you apply for a loan, our loans team will make sure you get the best rate available to you if your loan is approved. Our online loan application process has recently been improve, and non-members can now apply for a loan at the same time as joining. There has never been a better time to use us for affordable and ethical loans.

Christmas Loans

Our Christmas loan offer with discounted rates for new and existing members could save you hundreds of pounds in interest compared to high interest lenders such as Provident.  Use our loan calculator above to show you how much you can save - you're better off with us this Christmas! 

Family Loans 

Our family loan lets you repay a loan and save with us directly through Child Benefit payments. If your loan application is successful and you want to pay using direct Child Benefit payments, we will ask you to arrange for your payments to be paid directly into a savings account with us. After each payment of Child Benefit is received, a loan repayment will be made and a minimum of £10 into your savings account (or £2 per week if you receive Child Benefit weekly) will remain in your savings account with us until your loan is repaid. Any remaining Child Benefit will be transferred to your bank account on the next working day.

This is a great way to spread the cost of expensive family-related costs throughout the year, such as school uniforms, trips, holidays, Christmas and family holidays etc.  

You can apply for a loan on our website by choosing the borrow option and choose standard loan.

Platinum Loans at 4.9% APR 

We are now offering members our best loan rate available for unsecured larger loans. This rate is very competitive with bank loans and is available to new and exisitng members who are approved for  loans between £5,000 and £15,000 if they are:

Please note that this loan rate is not eligible for credit consolidation loans.

Eligibility is subject to loan approval and our loans assessment. 

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. 

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: 4 Working Street, Cardiff, CF10 1GN Telephone 029 2087 2373
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority 213467

fscs cu cymru