Castle & Crystal Credit Union

All our loans offer several benefits

  • Quick & easy application process
  • Loan decisions are tailored to suit your individual needs & affordability
  • No hidden fees, charges or penalties for early repayment
  • Interest is calculated daily on the reducing balance of the loan
  • Loans can be paid conveniently via standing order from your bank or payroll deduction
  • We help you to grow your savings alongside your loan repayments
  • Instant online loan decisions*
  • Loan funds paid by bank transfer same day subject to receipt of signed loan agreement by 2.30pm (Monday – Friday)
  • Loan Agreements can be emailed or posted during office hours

Our Loans

Handiloan
£250 – £999
38.5% APR

  • 2.75% per month
  • Income over £125 per week
  • Limited credit history
  • Repay over max 24 months

Apply

Everyday
£1,000 – £4,999
14.9% APR

  • 1.17% per month
  • Income over £16,000 per year
  • Fair credit history**
  • Repay over max 60 months
  • Debts less than £10,000

Apply

Diamond
£5,000 – £10,000
10.4% APR

  • 0.82% per month
  • Income over £25,000 per year
  • Good credit history***
  • Repay over max 60 months
  • Debts less than £15,000
  • Must be homeowner

Apply

* Where we are unable to validate information you may be requested to provide recent bank statements by email or post before a decision can be made during office hours.
** No more than 2 missed payments in the last 12 months.
*** No missed payments or defaults in the last 12 months.

Car loans

As part of joining as a member, we also offer loans of up to £10,000 towards your new car in partnership with The Credit Union Car Club.

This includes access to discounted rates of up to 35% on a wide range of vehicles from manufacturers such as Ford, Vauxhall, Renault, Mazda and many more, all with a full UK warranty.

<< Click here for more details on the Car Club >>

Important information

Loans are exclusive to our members and savings are encouraged. If you’re not already a member we’ll ask you to join first and deposit £4 to open your account (*membership criteria apply – live or work).

Loans available to UK residents and over 18s only. Subject to status and meeting our lending criteria (link to loans product page).

Checks will be made against Credit Referencing & Fraud Prevention Agencies. A search will be registered against your credit record with Call Credit.

If your loan application is successful your information will be shared with these agencies.

We reserve the right to offer a different loan product/amount or to decline your application.

We cannot lend to you if you have an active or unsatisfied CCJ, IVA, DRO or Debt management plan or if you are an undischarged bankrupt.