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 £2,250
  • 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
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Your savings are protected by the Financial Services Compensation Scheme

News

January prize draw

August Members Draw

15 September 2021
Congratulations to the winners of August's draw below. The draw took place at 10:02am on 27th August 2021. Winnings are paid into member's accounts £500.00 - 5084 ------- ...
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Summer Topup period is now open

26 July 2021
The Summer Topup period is now open! To be eligible for a summer topup you must: Currently be borrowing a Homemaker Loan Summer Topups are here! Have repaid ...
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Donation to Centre 63

21 July 2021
We are very happy to donate £300 to Centre 63 to help support their Yes Project. The Yes Project helps families and young people in the Kirkby community ...
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