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Personal Loans

Our Loan Products

Metro Moneywise Credit Union will do their utmost to help where we can, but we do have to ensure we lend our members money responsibly meaning there may be occasions we are unable to lend.

Introductory Loan - 16.4% apr

Available within the first six months of membership

Borrow up to £2000

Standard Loan - 12.7% APR

Borrow upto 3 x your savings + £300

After one years membership you can borrow 6 x your savings (less any oustanding loans)

Loyalty Loan - 6.2% APR

Must be a member for minimum 18 months

Savings must be accumulated over the 18 months

Requires a minimum savings balance of £3000 or over

You can borrow upto 4 x  your savings, minimum loan £5,000 maximum loan of £20,000 (less any outstanding loans)

Savings Secure Loan - 3% APR - Minimum loan £5000

The full loan is secured at all times against your savings

Members with a balance of £5000 plus can borrow the equivalent of their savings balance

All loans are subject to our terms and conditions.  You can borrow for any purpose - from cars to clothes, holidays to home improvements and all the while you keep your savings and continue to save.  Save as you borrow.

Life cover will be provided free of charge up to the age of 70 on the loan (conditions apply), so that in the event of tragedy, there will be no debt liability for your family.

There are no fees or set up charges, and there are no penalties in the event of early repayment

For members who have been saving for 12 months or over there is an additional and even more flexible loan facility. The Revolving Credit Loan lets to draw out money when you need upto an authorised limit of £2,000.

Check our loan calculator to see your potential repayments – Click here





Only our members have access to these great Personal Loan rates. Become a member today!




If you would like to arrange for a site visit to you work place, please contact the office and ask for our Membership Officer Janice Hopwood

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