helping you plan for the future...


‘the future is bright’ when saving with Advance Credit Union

balance your finances ...


Credit card minimum payments or paying too much for other debts? Consolidating your debts could help get you back in control

Time for a new car? ...


Borrow up to £8000 from your credit union

Wish you were here? ...


A loan from credit union could make it happen!


Smartcash Junior Account

Help your kids learn how to manage their money, for children aged 8 – 16 years



You may have concerns about how the Coronavirus/Covid-19 situation could affect you and your money. See this page for the resources available at this time. 

Advance Credit Union is ‘business as usual’; your money is safe and share withdrawals, deposits, loan applications are continuing as normal, but the customer counter is closed for the time being. If you aren’t a Member with us you can apply for a loan online or join online

Our phones are unchanged; 10am-3pm Monday, Tuesday, Thursday and Friday, 10am-12noon Wednesdays.

There are a few things we can all do to keep everyone safe:

  • Wash your hands regularly – see NHS guidance how to
  • Avoid touching your face – see this BBC article to understand why
  • Stay at home – see government guidance
  • Do not come to our office . There are better ways to contact us; online chat, internet banking and email.
  • Our phones are very busy at the moment, if you can avoid phoning us that would help free up our phone line for those who really need it.  Internet banking, Online chat and email are quicker, easier and helps us to deal with more Members.
  • Use our internet banking for share withdrawals; it’s quick and easy. 
  • 80% of our Members already use our internet banking, if you need some help setting this up please see the instructions here, watch our video or send us a message and we’ll talk you through it.  
  • If you think that you may be struggling with loan repayments due to the Coronavirus situation then please let us know. We will be as helpful as we can.
  • If you’re worried about your financial situation because of Coronavirus, please contact us and we will do what we can to help.
  • There is support available, see the government website, contact your council, social housing provider or agency.

Coronavirus FAQ

Work not Worry – financial wellbeing for employees

Would you prefer to save and repay your credit union loan through your payslip? Ask your employer to contact us about Payroll Deduction.

We are looking for more employers to partner with us by offering Payroll Deduction as an employee benefit. 

 AdvanceCU’s financial wellbeing package for employees is a simple but very effective way for employees to access affordable and ethical finance and easily save regularly – straight from their payslip and no cost to the employer. 

Find out more

Can credit union beat your bank?

ThinkingLoans from Advance Credit Union are more competitive than you might think for any value up to £8,000. Holiday, debt consolidation, new vehicle, or household expenses – give us a try!

Borrow £3,000 – £8,000 from just 9.4%APR

Borrow £1,000 – £3,000 from just 19.6%APR

Borrow £300 – £1,000 from just 21.9%APR

No need to save first (but it helps to get the best rate)

Loan offers are subject to affordability and credit check.

Find out more about our loans.

 Apply for a loan

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