Thank you for expressing your interest in a Family Loan!

We have been supporting our members in Merseyside for over 30 years

This loan is open to new members only – if you’re looking for help covering the cost of any unexpected expenses or planning something for the year ahead, we’ve got you!

Did you know the interest rate is only 27.85% – with our Family Loan, you could access a loan of up to £500 at a fair, affordable rate with no early repayment charges.

One of the best ways to repay your loan is directly through your Child Benefit payments – but you have the flexibility to choose the best repayment option for you.

How it works:

Step 1: Complete our application to join and borrow with us
Step 2: Accept our online banking request from Planky – this just makes it easy for us to access all the information we need to process your application
Step 3: Hold tight – we’ll let you know the decision

Repayment Examples (Borrowing £500):

Family Loan 27.85% (Every Week)


Weekly Payment: £10.94
Total Payments: £569.06
Total Interest: £69.06

Family Loan 27.85% (Every 4 Weeks)


Weekly Payment: £44.06
Total Payments: £572.77
Total Interest: £72.77

Who are we?

Enterprise Credit Union is a financial cooperative that exists for the benefit of its members. We’re committed to providing quality inclusive savings, loans & relevant products to our members throughout their lives. We’re member-owned and not-for-profit which means any surplus generated is returned to members as a dividend or used to improve or provide additional services required by the members.

Why borrow from us?

● Low-cost loans with no hidden costs
● Save as you repay
● Repay directly through your child benefit payments
● We conduct a holistic assessment, considering all aspects of your circumstance, not just your credit score
● Free protection on life savings and loans

Benefits of joining us:

● Access to ethical affordable loans
● Annual dividends on savings
● No hidden costs or charges
● Personalised & professional service from local people in your community
● 24/7 access to your finances through our Mobile App
● Savings protected by the FSCS
● Life cover at no extra cost