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.

Learn more

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
APPLY NOW

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
APPLY NOW

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
APPLY NOW

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.

More on the prepaid card

Online banking

Our online service account service lets you

  • Check account balances and transactions
  • Check loan application status
  • Calculate loan repayments
More on online banking

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.

More on FREE insurance

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
fscs_logo_transparent-150x150

Your savings are protected by the Financial Services Compensation Scheme

News

January prize draw

April Member Draw Winners

29 April 2022
Congratulations to the winners of April's draw below. The draw took place at 08:33 am on Friday 29th April 2022. Winnings are paid into member's Credit Union accounts ...
Read More →

Statement from KMCU Board of Directors

12 April 2022
We would like to correct an announcement that was made on Wednesday 6th April 2022 regarding the AGM that was held on Wednesday 30th March 2022. As the ...
Read More →

Easter Top-up period NOW OPEN

04 April 2022
The Easter Top-up period is now open! To be eligible for a Easter top-up you must: Currently be borrowing a Homemaker Loan Have repaid £100 of your existing ...
Read More →