Loans

Borrowing should be a straightforward and stress-free experience. That’s why our loans are designed for our members, with clear terms and affordable repayments.

You’re more than your credit score

We look at the full picture, not just numbers. Whether you need a little extra support or you’re planning something important, we’re here to help. Fair decisions. Affordable repayments.

For more information about how we assess loan applications, eligibility and repayments, please read our Loan Policy.

Enterprise Credit Union, Huyton; staff and members

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Affordable loans

Before applying, take a moment to check what fits your budget using our handy Budget Planner.

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Easy to apply

Once you’re ready, it’s easy to apply: online, through our app, by phone or in branch.

Enterprise Credit Union Loans

Progress Loans

Designed to help new members get started with the credit union, giving you access to fair, affordable credit as you build your financial wellbeing. An accessible way to borrow when you’re just getting started.

Important information

New members only
Up to £1,500
27.85% APR

Loyalty Loans

Reward members for building good saving habits. It is designed to support members who save regularly with ECU. Rewarding ongoing saving with higher borrowing limits over time.

Important information

First loan up to £1,500
Subsequent loans up to £7,500
14.93% APR

Advantage Loans

Available to members who have been with ECU for at least 4 years and have a good repayment history. Designed for members with a strong savings and repayment history.

Important information

Borrow up to £7,500
4+ years membership
14.93% APR

Loyalty Plus Loans

Available to long-standing members who have been with ECU for at least 5 years and have a strong saving and repayment history.

Rewarding loyalty with higher borrowing limits and lower rates.

Important information

Borrow up to £15,000
5+ years membership
10.91% APR

Value of Shares Loans

Value of Shares Loans allow members to borrow up to the value of their savings, provided no other loans are outstanding.

Affordable borrowing based on the savings you’ve already built.

Important information

Borrow up to the value of your savings
No other outstanding loans
8.30% APR

Uniform Loans

Our Uniform Loan helps families spread the cost of school uniforms with manageable repayments designed to fit around everyday budgets, making it easier to prepare for the new school year.

Helping families manage essential costs without financial stress.

Important information

Available to eligible members after 12 months
Borrow up to £1000 over a maximum of 52 weeks
27.85% APR

Season Ticket Loans

Whether you’re renewing your season ticket or purchasing one for the first time, our Season Ticket Loan helps you spread the cost with affordable repayments, so you can enjoy the season without the upfront expense.

Supporting members to enjoy the moments that matter most.

Important information