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

June Member Draw Winners

27 June 2022
Congratulations to the winners of June’s draw below. The draw took place at 09:46 am on Friday 24th June 2022. Winnings are paid into member’s Credit Union accounts ...
Read More →

Co-operative Bank Issues

22 June 2022
The Co-operative Bank is currently unavailable at the moment which is causing a delay to our transfers of savings and loans. As soon as the bank have fixed ...
Read More →

Summer Top-ups Information

16 June 2022
Please read the following information carefully as there is a change in how we process top-ups this year. Due to the demand of applications increasing, we will open ...
Read More →