Unify Credit Union

Saver Loan

members only

These loans are only available to existing members of Unify Credit Union who have a savings history with Unify Credit Union.  If you do not have a savings account with Unify please visit our Smart Loan page.

To qualify for a Saver Loan you need to save regularly with Unify for a three month period.  Once you have established a savings history you are eligible to apply for a loan based on your savings history and current savings balance.  

It's always useful to have an idea of how much you will repay in total when taking out a loan.  Here you can see how we work this out for you.  Although the APR may appear higher than quoted by other lenders, our interest is charged on the reducing balance, so you end up paying less.  Have a look at the figures and you'll see it's a much better option than going elsewhere.

loan agreement


£1000.00 £22.45 x 50 £1122.07
£3000.00 £24.40 x 150 £3850.72

 become a member


IMPORTANT - if you are in a debt management plan, subject of a Debt Relief Order,  IVA or bankruptcy or not currently up to date with household bills we are unlikely to be able to provide you with a loan.  

Debt advice can be obtained, free of charge, from STEPCHANGEDEBT ADVICE FOUNDATION or your local CITIZENS ADVICE.  

Free and impartial money advice can be obtained from The Money Advice Service

Only our members have access to these great Starter Loan rates. Become a member today!



If you want to save for a rainy day or a holiday, a Unify account is quick and easy.


If you need a loan with Unify Credit Union, click here to find out more.

Payroll Deduction

Find out more about how to easily pay into your account with us