Low cost loans tailored to suit your finances

Gleniffer Credit Union is an ethical, financial co-operative that is owned and run by it’s members, who save together and have access to loans at a fair and reasonable rate of interest.

With loans available with the low rate of interest of just 17.458% , Gleniffer Credit Union is a fantastic way to access vital funds while supporting your local community.

Family putting money into a savings jar

How does it work?

Once you’ve saved for 12 weeks, you can apply for your first loan up to the value of your shares. After that first loan is paid off, you can apply for a second loan of up to double the amount you have in shares. After the 2nd loan is paid off, you can apply for a third which can be up to three times the value of your shares up to the maximum of £3000.

We charge 1.35% interest per month – an APR of 17.458% on the reducing loan balance. You can borrow for anything that benefits you whether it’s Christmas, for a holiday or to cover some bills.

All borrowing is subject to the t&cs of our insurance policy.

How much could I borrow?

Loan Calculator


You borrow £N/A

Your monthly repayment is £137.92

The total you pay back is £3310

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This calculator is for illustrative purposes only so as to give you an overview of the potential cost of borrowing. These are not a guarantee of what you would pay should you borrow from us.