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Car Loan

Is it time to upgrade or buy a new car? Our Car loan allows you to borrow between £3,000 and £10,000 at a fair and affordable rate with no application fees and no early repayment charges.

How Do Car Loans Work?

Borrow between £3,000 – £10,000
Use the loan calculator below to see what your repayments could look like.
Repay over 6 months – 4 years
Choose to repay weekly or monthly by standing order or direct debit

How to Apply for a Car Loan

Borrow up to £10000. To be eligible for our Car Loan you must:

Note: Your loan application is subject to our credit and affordability checks. An application does not guarantee a loan offer.

Membership

Be a member and not already have a loan with MCU

Age

Have a high street bank account or a Manchester Credit Union ENGAGE account for disbursement of loan

Payment

Have a high street bank account or a Manchester Credit Union ENGAGE account for disbursement of loan

Note: Your loan application is subject to our credit and affordability checks. An application does not guarantee a loan offer.

Car Loan Calculator

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Why Choose Manchester Credit Union for your Car Loan

Our Loans won't break the bank!

Quick and convenient

Once your loan is approved, the money can be in your account on the same day.

Quick and convenient

Once your loan is approved, the money can be in your account on the same day.

Affordable & no hidden costs

Interest is only paid on the reducing balance. There are NO set-up fees and NO penalties for paying your loan back early. In fact, you will pay less interest too!

Affordable & no hidden costs

Interest is only paid on the reducing balance. There are NO set-up fees and NO penalties for paying your loan back early. In fact, you will pay less interest too!

Fair

We’ll assess your ability to repay the loan based on knowing your circumstances not just your credit score. You will be assessed by a person, not a computer.

Fair

We’ll assess your ability to repay the loan based on knowing your circumstances not just your credit score. You will be assessed by a person, not a computer.

Flexible

Repayments can be tailored to suit your budget and can be made weekly, fortnightly or monthly.

Flexible

Repayments can be tailored to suit your budget and can be made weekly, fortnightly or monthly.

Ethical

You are our shareholders, so all our profits are reinvested back in the credit union to better serve members and the local community.

Ethical

You are our shareholders, so all our profits are reinvested back in the credit union to better serve members and the local community.

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