We understand that there are circumstances when you might not be able to afford a payment and we would ask you to inform us immediately if that is the case. If necessary we will work with you to agree a new repayment schedule.
When you borrow from us, you are borrowing from other members in the credit union. We therefore have a responsibility to help ensure your payments are maintained. We will make every effort to understand your problem, and we will try to reschedule your payments so that you can continue with your loan. To just stop paying off your loan is not only unfair to other members, it is dangerous for you. Missed payments can lead to a worsening spiral of debt.
Our first step will be to work with you to define a manageable repayment schedule. If this cannot be done we have close working relationships with charitable debt agencies such as Citizens Advice Bureau, StepChange and Christians Against Poverty that will be able to help you.
Wiltshire and Swindon Credit Union was formed by bringing together a number of smaller credit unions which operated around the county.Read More
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
Membership is open to anyone who lives or works in Wiltshire or Swindon.Read More