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Loans Unsecured Loan

Unsecured Loan

Our Unsecured and Top-up Loans are a great way to get the most from your savings. Whether you need that little extra for the big family holiday, your big DIY project or that car you've always wanted a loan from us might just be what you've been looking for.

You can continue to build up your savings and attract a dividend whilst you repay

  • Take full advantage of our Life Savings and Loan Protection Insurance*1 *2
  • Spread the loan over 5 years

Unsecured Loans are split into the following tiers

  1. (0 - 750) - 42.6% APR
  2. (751 - 3,000) - 19.6% APR
  3. (3,001 - 5,000) - 14.7% APR
  4. (5,001 - 7,500) - 9.4% APR
  5. (7,501 - 10,000) - 6.9% APR

Top-Up Loan

If you have an Unsecured Loan or an existing Top-Up Loan with us you could apply to top up your loan, provided that there has been 8 weeks between your last application and you've been meeting the repayments. Whilst you are repaying your loan you are also building up your savings meaning that you have some additional borrowing available if needed. With Top-Up Loans your savings may be held as security when your loan is issued and you can take advantage of your Credit Unions benefits:

  1. Top-Up Tier 1 (0 - 750) - 42.6% APR
  2. Top-Up Tier 2 (751 - 3,000) - 23.1% APR
  3. Top-Up Tier 3 (3,001 - 5,000) - 18.2% APR
  4. Top-Up Tier 4 (5,001 - 7,500) - 12.7% APR
  5. Top-Up Tier 5 (7,501 - 10,000) - 10% APR


  • You can continue to build up your savings and attract a dividend whilst you repay
  • Take full advantage of our Life Savings and Loan Protection Insurance*1 *2
  • Spread the loan over 5 years

What do I get when I go Unsecured?

You'll receive all of the benefits of a Credit Union Loan:

  • Free Loan Protection Insurance*2
  • No set-up fees
  • No admin charges
  • No early repayment penalties

How do I apply?

Download our loan application form here or log into our member's area to start filling in your loan application. If you're applying online we'll need you to send us through your last three months bank statements and proof of your income i.e. your most recent wage slip or benefit letter. You can send this by email to staff@lanarkshirecu.co.uk or by post to our main office. We'll call you when the loan is ready or if we need some more information, from there you'll need to drop by one of our offices to sign some paperwork.

If you're applying in one of our offices just fill in the loan application form, don't worry if you don't have a printer you can pick them up at any of our offices. We'll take your loan application and other supporting documents from you and from there we will be able to advise you on how long it may take us to process your application.

What do I need to bring with me?

We're a responsible lender and as such all loan decisions we make are made based on your income, expenditure and ability to repay. You'll need to bring your last 3 months bank statements with you if you've not already submitted them when you come to pick up your loan. This will allow us to make sure that the loan we are providing is suitable for your needs.

You should also bring with you some form of ID to allow us to confirm your identity.

What about...

If you have any other questions not answered here why not head over to our Frequently Asked Questions page to find your answer.

For information about our loan terms and conditions check here.

The small print...

No loan is guaranteed and is subject to terms and status, for more information about our loan terms and conditions check here.

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*1 Subject to terms and conditions. Certain restrictions apply based on savings balance and on age at death or age when savings were made. Each Credit Union has individual limits and restrictions which may vary over time. Ask your Credit Union for details about the Life Savings protection they provide.

*2 Subject to terms and conditions. Cover limits vary and certain restrictions apply based on age and cover. Please ask your Credit Union for individual limits and restrictions.

Contact Us
  • Tel: 01698 711112
  • Fax: 01698 828810
  • Email:
  • Web: www.lanarkshirecu.co.uk
  • Address: 252 Glasgow Road, Blantyre, Glasgow, G72 0YH
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Lanarkshire Credit Union is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our FRN is 213669