Managing with your money can be pretty challenging and we know that a loan can help smooth out life's bumps.

Our fair and affordable loans help you cope.

  • Fair Interest Rates
  • Affordable Repayments
  • Friendly Understanding Staff
  • No Hidden Costs
Family checking income to apply for a loan
Loans for when the unplanned happens - photo of couple with newborn triplets

It's quick and simple to apply for a loan with a straightforward online form.

You'll then just need to prove your identity to us and, subject to approval, we can pay you the funds directly.

If you're uncertain what to do, or if you need help, pop in and have a chat with our advisors. We can help you work out what you can afford, as well as helping you with the application.

Use our loan calculator to find out how much you can afford - or start your application now and you could get a decision tomorrow.

Make an appointment

I want to start saving

Find out what a loan could cost you

Use our loans calculator to see the repayments and total cost of a loan. Just adjust the sliders to suit your needs.

Your Circumstances:
I'd like to borrow:


  • Total Payable Total Interest Payable Repayments
  • Total Payable Total Interest Payable Repayments
  • Total Payable Total Interest Payable Repayments
  • Please be aware that our online loans calculator is provided as a guide only.

    To apply for a loan, log in to your Celtic Credit Union account.
    Apply for a loan now

See how your Credit Union Stacks up

Look at how different the costs of a £300 loan repaid over 3 months from Celtic Credit Union are compared to other lenders…

Celtic Credit Union Satsuma Loans Provident
APR 19.6% 1261.0% 1557.7%
Weekly Repayment £23.64 £33.03 £33.00
Total Interest £7.29 £129.26 £129.00
Total Repayable £307.29 £429.26 £429.00

Make an AppointmentEvery loan application is considered individually – it’s not just a question of your credit score. Come and talk to us and let us help.