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Start Saving

Become a member, save and borrow

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Financial savings

Let us help you manage your money.

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Established 1986

Member Owned

FCA & PRA Regulated

FSCS Protected

Serving Paisley

Helping You Save, Borrow & Plan for the Future

Whether you’re saving for the future, looking for an affordable loan or planning ahead, we’re here to support you with straightforward financial products designed for our members.

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Loans

Providing loans to our Members is one of the main functions at White Cart Credit Union. We encourage you to manage your money carefully by structuring loans around your needs and your ability to repay. There are no hidden charges or fees.

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Funeral

A funeral plan in association with Kenneth Keegan Funeral Directors. With the ever rising costs of a funeral, we believe this plan gives our members peace of mind, knowing they will not be leaving this financial burden to their family at an already difficult time.

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Savings

White Cart Credit Union encourages our members to save as we believe regular saving ensures you work towards making the most of your money. Provided you live or work in Paisley, you can open a savings account at our office. Two forms of identification are needed.

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Loan Calculator

Use our loan calculator to get an idea of how much you could borrow and what your repayments may be.

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Loan Protection

Your Credit Union loan is protected in the event of your death* helping protect your family from the financial burden of bereavement. Loan Protection is built into your loan when you borrow from your Credit Union. It offers you the security of knowing that in the event of your death, your loan will be cleared.*

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Need a holiday?

Many members find that having a goal, such as a holiday or Christmas, is an excellent incentive to save. Our savings account is ideal for this purpose. Start saving today!

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The Benefits of Membership

Membership gives you access to secure savings and affordable loans.

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Friendly Local Service

We provide friendly, personal support to help meet your financial needs while building a stronger local community.

Secure Savings

Access straightforward and secure savings accounts designed to help you save for the future.

Affordable Loans

Members can borrow at competitive interest rates, often much lower than payday lenders and other high-cost loan providers.

Free Insurance Cover

Eligible savings and loans include free insurance protection, giving you extra peace of mind.*

Funeral Plans

Plan ahead with our low-cost funeral plan, including interest-free payments for the first year.

Ready to become a member?

Join White Cart Credit Union today and become part of a member-owned organisation dedicated to helping you save, borrow and plan for the future. Enjoy secure savings, affordable loans and friendly local service that’s always focused on putting members first.