Know your options

Are you thinking about taking out a doorstep loan?

Maybe you're talking to a payday lender or looking for fast cash? Consider talking to your local credit union first.Whether you're looking to borrow to help with your household expenses or for a larger purchase, we have the right personal and affordable loan to suit you.

We offer an alternative

With so many options today, managing your money can be confusing and stressful. But it doesn’t have to be complicated. We offer very competitive rates of interest on personal loans. In fact, you might be surprised by how much you could save on the cost of your loan.

APR Comparison

Calculation represents a £1,000 loan over a 6 month period.

Provider Monthly Repayments Representative APR Total Interest To Pay Total Amount Payable
WASCU £185.87 38.5% £115.24 £1,115.24
Sunny £319.10 1,281% £914.80 £1,914.80
Peachy £294.86 720% £769.16 £1,769.16
Provident £240.00 535% £560.00 £1,560.00

We offer a safer alternative with ethical and sustainable saving and lending options

Peace of mind

We are fully authorised by the FCA

This makes us safe and reliable

WASCU is run by people just like you and you know your money is safe because we are regulated by the Prudential Regulatory Authority and the Financial Conduct Authority

Low Interest Rates

Credit union interest rates are capped by regulators

This makes us considerably cheaper than many other lenders.PLUS we offer flexible repayment terms without penalties and hidden costs.

Fair and Reasonable

WASCU promote good money management

Members are encouraged to save as well as borrow money. Loans are provided with fair and reasonable rates and members are encouraged to use money wisely and manage their finances in a sustainable way.

Ethical Savings with a Not-For-Profit

WASCU operate as on a not-for-profit basis

We are owned by members, not stockholders. That means our whole reason for being is to assist the financial wellness of the community in Wiltshire and Swindon.

Any surplus profit or interest earned on loans is either put into reserves or paid back to members as an annual dividend

Apply for your loan with confidence

It takes less than 5 minutes to give us a try and we might be able to save you thousands of pounds in interest.


About Us

Wiltshire and Swindon Credit Union was formed by bringing together a number of smaller credit unions which operated around the county.

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Community Points

We run a number of community points around the county and in Swindon, where you can save or withdraw money, or make an application for a loan.

Find Your Nearest Point Here

Join Us

Membership is open to anyone who lives or works in Wiltshire or Swindon.

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