Once you have been a member of White Cart Credit Union and saved for six weeks, you can apply for a loan. Membership costs only £1. Ask for an application form today.
We offer our members a competitive, low rate of interest. Interest is charged daily on the decreasing balance of your loan, with no hidden extras such as set-up or arrangement fees. There are also no penalties for paying off your loan early.
We’ll treat you fairly and assess your loan application based on your personal circumstances, and all loans include free life insurance.*
We lend up to £5,000, but as a responsible lender we won’t offer you a loan above an amount we could reasonably expect you to repay.
While Credit Unions can charge up to 3% interest per month, all our loans are granted at an interest rate of 1% per month.
Use our Loan Calculator to get an idea of your repayments. Simply choose how much you’d like to borrow and your preferred repayment period to see an estimated repayment amount.
Your Credit Union loan is protected in the event of your death*, helping to protect your family from the financial burden of bereavement.
Loan Protection is automatically included when you borrow from White Cart Credit Union. It provides the reassurance that, should you die, your outstanding loan can be cleared.*
Loan Protection is a feature of your membership with White Cart Credit Union. You do not have an individual policy; instead, the Credit Union takes out a Group Life Policy to provide these benefits to its members.
Your family can take comfort in knowing that your Credit Union debt can be cleared*, giving peace of mind during a difficult time.
By choosing to borrow from your Credit Union, you’re not only accessing affordable finance for yourself and your family, you’re also helping the Credit Union continue to provide better value loans for all members. Combined with Loan Protection, your loan offers greater financial security for you and your loved ones.
Loan Protection is underwritten by Aviva Life & Pensions UK
Aviva Life & Pensions UK is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
*Subject to terms and conditions.
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.