Tel: 0151 258 1014 Email:

24 April 2017
Need a Loan?


We offer personal loans of up to £15,000 and have a number of loan products available to members, who must have been saving regularly with us for generally at least 8 weeks before a loan application can be submitted.

If you are applying for your very first loan with us, then there is a limit of £1,000 maximum.

Benefits of borrowing from us:

  • All our decisions are made based on your individual needs by a person, not a computer scorecard

  • Clear interest rates which are guaranteed not to change after application

  • Your savings grow during the term of the loan

  • Decisions usually within 24 hours of your application being processed, please note in periods of high demand this can take up to 10 days. 

  • FREE loan protection insurance* In the event of your death your loan will be paid off in full. Terms and conditions apply.

If you do not meet the lending criteria for the loan you apply for, a Loan Officer will contact you by telephone. If you meet the criteria for a different loan amount or product, we will let you know when we call.

Loans are exclusive to members only who must continue to save the required amounts per month together with their loan repayment.

A period of 1 month must have passed between one loan application and the next

The maximum combined amount any one member can have at any time is the value of shares plus £15,000. So if member has £3,000 in shares, maximum total in loans = £18,000 across all products.

General Terms & Conditions apply to ALL loans

Loan Type

Must be Member for

Amounts Available

Interest Rate

Repayment Periods



ALL 1st Loans


8 weeks


Up to £1000


3% pm (42.6%APR)


6-18 mths


Up to 4 x Savings






Multiplier & Progressive





8 weeks


Up to £1,000

3% pm (42.6% APR)

Up to 24 mths




Up to 4 x Savings

(less existing loan balance for Progressive)

£1001 - £2000

2% pm (26.8% APR)

Up to 36 mths

£2001 - £3000

1.5% pm (19.6% APR)

Up to 36 mths

£3001 - £7500

1% pm (12.7% APR)

Up to 48 mths

£7501 & over

0.8% pm (9.8% APR)

Up to 60 mths


Revolving Credit



12 weeks


£100 - £3000


3% pm (42.6% APR)


Fixed Payments


Up to 1½ times mthly income



Season Ticket


8 wks


Up to £2000


0.8% pm (9.8% APR)


12 mths















To apply online you must have registered for a pin number (see our home page, top right) then you can apply via the members secure area.

Otherwise download an application form here:

ClickDownload Loan Application Form (264kb)

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Partners Credit Union Limited Tel: 0151 258 1014 Email: Web: