All loans
Members new to MCU or facing a one-off cost
Starter & Emergency Loan
A small loan for new members or unexpected costs.
Best for: An MOT, a vet bill, a deposit on a flat.
Why members choose this loan
An alternative to high-cost short-term credit
Available from day one of membership
No effect on future Loyalty Saver eligibility
What to expect
Pay the loan off early whenever you like — there is no early-repayment charge.
- 01Apply online with your Member Number, or in person on Peel Road.
- 02We share a pre-contract credit disclosure with your monthly repayment, total cost of credit, and the representative APR.
- 03You confirm, and we pay the funds into your bank account.