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.

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 £2,250
  • Max. term 28 weeks
  • Credit status Poor

Saver loan

4.5% to 18% APR

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

Instant Plus loan

3% to 13.5% APR

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

We offer more than loans and savings

Prepaid card

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.

Online banking

Our online service account service lets you

  • Check account balances and transactions
  • Check loan application status
  • Calculate loan repayments

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.

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.

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.


Your savings are protected by the Financial Services Compensation Scheme


Annual General Meeting 2022

Our Annual General Meeting will be held on Wednesday 23rd March 2022 at 7pm. We are looking to host the meeting both online and in person at a ...
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January prize draw

December Member Draw Winners

Congratulations to the winners of December's draw below. The draw took place at 09:36 am on Friday 31st December 2021. Winnings are paid into member's Credit Union accounts ...
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DWP Christmas Payment Dates

If you receive payments from the DWP, the payment dates can change due to bank holidays and weekends. The payments for Christmas and New Year are Payments due ...
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