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


10 Top Saving Tips

Ever wondered how to give your savings a boost and have some money set aside for life's unexpected bills? Use these quick and quirky savings tips that can ...
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January prize draw

July Member Draw Winners

Congratulations to the winners of July’s draw below. The draw took place at 10:58 am on Friday 29th July 2022. Winnings are paid into member’s Credit Union accounts ...
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Cost of Living Help and Information

Inflation is rising and the cost of living is becoming more expensive. Below is a link to the governments 'Help for Households' page. This lists the support available ...
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