All Flintshire Credit Union loans are considered for members who have saved money regularly for 12 weeks in one of our credit union savings accounts. At first, you can borrow twice the amount you have saved and then if your account is managed well, then you will be able to borrow three times what you have saved.
Our Credit Union loans are designed to help those that sometimes struggle to access a loan from a bank or other high street lender. Our rates are highly competitive and affordable at only 1% per month (12.68%APR). The interest paid is on a decreasing balance, so you only pay interest on what you owe and not the on the full amount of the original loan. If you are able to pay your loan off early we do not administer any charges.
If you need to borrow a small amount of money for essentials or perhaps an emergency then you should talk to us first. Unlike pay-day-loan companies or door step lenders our loans are affordable and fair.
To access a loan you must first become a member of the credit union. For further information or to make an appointment, please contact our main office in Holywell on 01352 715555 or visit one of our collection points (please check our credit union opening hours).
You can also contact us via the website at All Flintshire Credit Union.