We've been independently rated 5 stars for our 'Unsecured Personal Loan' by:
Take a look below at what our 5 star rated service means for you.
If you have a Ednites Credit Union current account and you're looking for a loan in your name only, in most cases we’ll confirm the loan amount and your rate at the start of your application with no impact on your credit score.
It takes around 10 minutes to apply for a loan online. We'll ask you to log in to Online Banking so have your details handy.
You could get your loan funds on the same day if you apply online, are unconditionally accepted and sign your loan documents before 5.45pm Mon – Fri.
Sometimes we need to contact you for more information, so it can take a little longer.
To apply for a loan online, you must be 18+ and a resident with a Ednites Credit Union current account (held for 3+ months).
It’s important to remember that if you repay your loan early, you will be charged an Early Repayment Fee. The amount you will be charged will be equal to 58 days’ interest on the amount you repay early (28 days’ interest if the period of the Loan is one year or less). If there is less than 58 days (or 28 days if applicable) remaining on the loan, the calculation will be based on the actual number of days remaining. This is in addition to your outstanding loan amount and any outstanding interest.
£7,500
0 months
£137.55
£8,253.00
3.9
3.9
The rate you pay depends on your circumstances and loan amount and may differ from the Representative APR. We will never offer you a rate exceeding 29.9% p.a. (fixed), regardless of loan size. This means you're not guaranteed to get the rate you see in the calculator.
The rate you pay depends on your circumstances and loan amount and may differ from the Representative APR. We will never offer you a rate exceeding 29.9% p.a. (fixed), regardless of loan size. This means you're not guaranteed to get the rate you see in the calculator.
When you apply for a loan, based on your circumstances, we might give you the option to defer your first repayment.
We'll show how much you could borrow, your personalised interest rate and monthly payments at the start of your loan application. All this with no impact on your credit score.
To help you feel comfortable applying for a loan online, we've created a step by step guide to support you through the process. Take a look before you apply.
How to apply for a loan online
Before you apply, we need to check you're happy with a few things.
It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.
