Loans & Borrowing
Flexible financing for your personal and property goals. Competitive rates, transparent terms, and expert advisors to guide you through the process.
Our loan products
Choose from a range of borrowing options designed to suit your needs — whether you're consolidating debt, funding a project, or buying a home.
Personal Loan
Fixed-rate borrowing from £1,000 to £50,000 with predictable monthly repayments.
- Fixed rate — never changes
- 12–84 month terms
- No early repayment fees
- Same-day decision
Home Mortgage
First-time buyer, remortgage, and buy-to-let solutions with expert advisor support.
- First-time buyer friendly
- Remortgage options
- Buy-to-let available
- Expert advisor support
Car Finance
New and used vehicle finance with flexible terms and quick approval process.
- New & used vehicles
- Hire purchase options
- PCP available
- Flexible deposit options
More ways to borrow
Specialised lending options for every financial situation.
Debt Consolidation
Combine multiple debts into one manageable monthly payment with a lower interest rate.
- Combine multiple debts
- Lower monthly payments
- One fixed repayment
- No hidden fees
Business Loan
Grow your business with dedicated funding from £5,000 to £250,000.
- £5,000 – £250,000
- Flexible terms
- Fast decisions
- Dedicated business advisor
Home Improvement
Fund renovations, extensions, or energy-efficient upgrades to your property.
- £1,000 – £35,000
- Renovation & extension
- Fixed monthly payments
- No early repayment fees
Calculate your repayments
Estimate your monthly repayments. Adjust the amount and term to see what works for you.
Loan Repayment Calculator
Results are estimates only. Actual rates may vary based on your circumstances.
Why choose Alliance Credit Union for your borrowing?
We combine competitive rates with transparent terms and expert support to make borrowing simple and stress-free.
- Competitive rates — We shop the market to get you the best deal
- Fast decisions — Most applications get a same-day response
- No hidden fees — Clear, upfront pricing with no surprises
- Expert advisors — Real people ready to help you every step
- Flexible terms — Choose the repayment schedule that suits you
How it works
Getting a loan with Alliance Credit Union is simple, fast, and transparent. Here's what to expect.
Check your eligibility
Use our quick online tool to see how much you could borrow — without affecting your credit score.
Apply online
Complete your application in minutes. We'll ask for basic details about you and your finances.
Get a decision
Most applicants receive a decision the same day. We'll keep you updated at every step.
Receive your funds
Once approved, funds are typically transferred within 24 hours — sometimes even faster.
Compare our loan products
See the key details side by side to find the loan that fits your needs.
| Feature | Personal Loan | Car Finance | Mortgage |
|---|---|---|---|
| Typical amount | £1,000 – £50,000 | £3,000 – £40,000 | £50,000 – £1M+ |
| Representative APR | From 3.9% | From 4.5% | From 2.9% |
| Term length | 1–7 years | 1–5 years | Up to 35 years |
| Fixed monthly payments | |||
| Secured against asset | |||
| Early repayment fee | None | None | Varies by product |
| Best for | Any purpose | Vehicle purchase | Property purchase |
Frequently asked questions
Everything you need to know about loans and borrowing with Alliance Credit Union.
Ready to get started with Alliance Credit Union?
Apply online in minutes and get a same-day decision. Find the loan that fits your life.