Affordable loans and safe savings for the people of Knowsley, Liverpool, Sefton & West Lancashire

Knowsley Mutual Credit Union is a local financial co-operative owned and controlled by our members.

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Affordable loans

  • No hidden fees or charges

  • No penalty if you repay the loan early

  • Interest rates capped by the government

  • Save as you repay your loan

  • All loans include free insurance

 

   

  • Who can apply?
  • Min. amount
  • Max. amount
  • Max. term
  • Credit status

Homemaker loan

42.6% APR

  • Who can apply? Anyone
  • Min. amount £500
  • Max. amount £2,500
  • Max. term 28 weeks
  • Credit status Poor
APPLY NOW

Saver loan

5.5% to 18% APR

  • Who can apply? Existing members
  • Min. amount £500
  • Max. amount £15,000
  • Max. term 60 months
  • Credit status OK
APPLY NOW

Instant Plus loan

5.5% to 14.9% APR

  • Who can apply? Must be working
  • Min. amount £1,000
  • Max. amount £15,000
  • Max. term 60 months
  • Credit status Good
APPLY NOW

We offer more than loans and savings

Suits Me

Available to new and existing members

A basic bank account with a Visa debit card which can be used online, over the phone, in shops and at ATMs.

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Online banking

Our online service account service lets you

  • Check account balances and transactions
  • Check loan application status
  • Calculate loan repayments
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Monthly Prize Draw!

Get chance to win £500 every month!

Our Members' Draw takes place on the last Friday of each month. Entry costs £1 per month.

More on the prize draw

FREE insurance

Life Savings Insurance cover is paid by the Credit Union. It is provided FREE of charge to our members.

Loan Protection Insurance is also provided for all eligible members, FREE of charge.

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Safe saving

  • Chance to win up to £500 every month in our prize draw

  • Receive regular dividends (share of the profits)

  • Up to twice the value of your savings are payable to a nominated beneficiary

Ready to save?

Whether you're a member or not, it only takes a few minutes to start saving with us.

START SAVING NOW
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Your savings are protected by the Financial Services Compensation Scheme

News

October Member Draw

31 October 2025
Congratulations to the winners of  October's draw below. The draw took place at 09:31 am on Friday 31st of October 2025. Winnings are paid into member’s Credit Union ...
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Saving for Retirement: Secure Your Future with Confidence

31 October 2025
  Planning for retirement is essential—but in today’s world, it’s also important to protect your savings from fraud. In 2024 alone, over £1 billion was stolen through scams, ...
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Stay Safe: Be Fraud Aware with Knowsley Mutual Credit Union

24 October 2025
  Fraud is on the rise, with scammers using emails, texts, phone calls, and social media to trick people into giving away personal or financial information. From phishing ...
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