Simple, straightforward loans designed with the needs of our members in mind

Hoot Credit Union provides affordable loans ranging from £200 to £15,000 starting from 12.7%  APR, subject to status.

One of the features of our loans is that our members only pay interest on the reducing balance. This means that we only charge you interest on how much you have left to pay, not on how much you borrowed in the first place.

In the long run you simply pay less – and we won’t charge you a penny for paying your loan back early!

Our Handy, Budget and Premier Loans were awarded a 5 Star Fairbanking Mark in 2016 and held the Mark until 31 October 2021 when the Fairbanking Mark accreditation scheme ceased operating. Further information about the Fairbanking Mark scheme can be found on fairbanking.org.uk