Loans that fit around real life
Wirral Credit Union loans can help when you need to cover a cost or spread payments over time.
We keep things clear and take time to explain how it works.
You can apply online or speak to our team. We’ll walk through the options with you and help you decide what feels manageable.
Why choose Wirral Credit Union loans?
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Local decisions
Your application reviewed carefully by our team. We take time to look at the details and ask questions if needed.
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Save while you borrow
All of our loans include a savings element in your repayments, helping you build a pot for the future.
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Clear and straightforward
Apply online or with support from our team. We’ll explain the steps and answer any questions.
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Repayments you can manage
We’ll talk through repayments and agree on an affordable amount that feels manageable for you before you go ahead.
Wirral Credit Union loans
All loan applications are subject to status and affordability assessments.
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Family Saver Loan
A loan for families repaid from Child Benefit, helping you borrow affordably while saving alongside it.
- Borrow an amount suited to your needs
- Repay through Child Benefit
- Build savings as you repay
- For families receiving Child Benefit for 12+ months
- Designed to ease the pressure of family costs
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Starter Loan
A straightforward loan to help you get started with borrowing and build savings at the same time.
- Borrow up to £500
- Repay over 12 months
- No savings needed to apply
- Savings built into repayments
- Repay via payroll or standing order
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Payroll Plus Loan
A loan for employees who save and repay directly from their wages, making budgeting simple.
- Borrow up to £10,000
- Repay through payroll deduction
- Terms from 6-60 months
- Savings built into repayments
- For employees saving with Wirral Credit Union
Why borrow with us
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Borrowing that fits around real life
We keep repayments clear and explain the terms in plain language, so there are no surprises.
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Save while you repay
All loan repayments include a savings element, helping you build your savings alongside your repayments so you’re in a stronger position once the loan is cleared.
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Local and not-for-profit
We’re here for members who live and work across our common bond. As a not-for-profit credit union, any surplus is reinvested to support members and improve services.
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Support that’s real
Members tell us they feel listened to. Our team can explain your options and explain things in a way that works for you.
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Responsible lending
We only lend what we think you can manage. If you apply for a Wirral Credit Union loan and we say no, we’ll explain why and talk you through other options.
See what could work for you
You can use our loan calculator to see how much you could borrow and repay before you apply.
Who can apply
You can become a member and apply for a Wirral Credit Union loan if you live or work in a CH postcode and are aged 18 or over.
All applications go through checks and an affordability assessment, so we can make sure the loan is right for you.
How borrowing works
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1
Apply for a loan
You can join Wirral Credit Union if you live or work in a CH postcode area. Membership will be set up as part of the process if your application is approved.
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2
We review your application
Our team will review your application and may contact you if we need any additional information.
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3
Complete your application
We’ll ask for a few details, including proof of ID, address and recent income. We’ll also carry out checks and an affordability assessment as part of reviewing your application. Click here to learn more about Open Banking.
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4
Set up repayments
Once approved, we’ll help you set up repayments. You will also begin saving alongside your loan to build up a savings pot for the future.
Start your application
Join online or speak to our team if you’d like help with your application.
