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Credit Union Limited
Oddfellows House, 184-186 Deansgate
Manchester M3 3WB
Telephone: 0161 214 4629 Fax 0161 214 4628
Manchester Unity Credit Union Ltd is authorised by the Prudential Regulation Authority
and regulated by the Financial Conduct Authority and the Prudential Regulation Authority,
Reg No 213401
Once you have been a member for three months, have a minimum number of shares* and
you are over 18 years old. You can apply for a loan.The Credit Committee will look
at your savings record and your ability to repay when deciding whether or not to
grant a loan.
You can download a Loan Application Form from the Download Forms page.
*determined by the Manchester Unity Credit Union
Example: If you save £30 per month, after three months you may apply for a loan up
to £270 (3 times your savings). You will have to repay this at £23.99 per month plus
the minimum saving of £5 per month, a total of £28.99per month for twelve months.
The total interest you pay is £17.88.
* From 1st October 2008, members of at least 2 years Oddfellows membership must have
saved regularly with the credit union for a period of 3 months. Members of less than
2 years membership will have to save regularly with the credit union for period of
6 months before qualifying.
When your first loan has been satisfactorily repaid and your Shares have increased,
you can be considered for larger loans.
Interest is calculated at 1% per month on the outstanding balance. There is no penalty
for early repayment.
Your loan is covered by life assurance up to age 80, subject to terms and conditions.