Poor Credit Score?

If you've got bad credit, don't panic.

At Celtic Credit Union, we take your circumstances into account and assess every loan application on an individual basis. So, even if you've got a poor credit history, you could still get a loan.

Apply Now
Maximum Loan Amount :
Maximum Loan Term :

£

Term

Repayment Frequency
£
APR
42.6%
# Repayments
Total
£
APR
42.6%
# Repayments
Total
£
APR
42.6%
# Repayments
Total

*APR= Annual Percentage Rate. Whilst every care has been made in the production of this web page, the Credit Union, or any of its staff, cannot be held responsible for any omissions, errors or other mistakes made. This web page is for illustrative purposes only, so as to give you, the borrower, an overview of the potential cost of borrowing. Loans are subject to approval. Terms and conditions apply.

Even if you've had credit problems in the past we may still be able to help you with a loan. Please come and talk to us.

Thank you for calling me back when you said you would and promptly dealing with all of my queries. I am thoroughly happy with the excellent level of service you have provided.

Natalie from Port Talbot

Get back on track

A good credit rating is important, but it is not the only thing we rely on to make a decision - we'll take all your circumstances into account.

Making regular affordable payments will help you get your finances back in order - which ultimately helps your credit rating get back in shape.

Become a Member

Interested in becoming a member of Celtic Credit Union? Click on the link below which outlines the documents required to set up an account.

Apply Online via Online Banking, or speak to us in branch.

*Loans are subject to approval. Terms and conditions apply. If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating which may limit your ability to access credit in the future.

Membership has many benefits

Flexible & Convenient Loans

Members can take out flexible loans after joining, and repay with tailor-made schedules. All our loans are fully insured (for free), against disability or death.

Quality Service, No Fees

You can be assured of a professional service from Credit Union at all times. And you do not pay a transaction fee for saving with us, or borrowing money.

Pay by Direct Debit

Arrange a Direct Debit payment from your bank and be sure of regular payments to your Credit Union account. We will send you a statement showing all transactions.