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How do I apply for a loan?

Check your eligibility, apply online and what to expect from the credit check

You can apply for a loan in the app or in online banking. If you're not a member yet, you can join and apply at the same time on our website.

Check your eligibility first

Most of our loan pages have an eligibility check. It only takes a few questions and won't affect your credit score. It doesn't guarantee a loan offer, as every full application is assessed separately.

For a Personal Loan, Car Loan or Home Improvement Loan, you need to:

  • be aged 18 or over
  • live in the UK and have a UK bank account
  • be a member of Capital Credit Union, or be eligible to join
  • have a regular income and be able to show the loan is affordable

Recent serious adverse credit history, such as arrears, CCJs, Trust Deeds, defaults or bankruptcy, may affect eligibility. Other loans can have their own criteria, shown on each loan page.

How to apply if you're already a member

  1. Log in to the app or online banking.
  2. Select Apply, then Apply for a new loan.
  3. Answer a few questions, such as how much you want to borrow, what it's for and how long you'd like to repay it over.
  4. Select Continue or Find a product to see the loans available to you.

We show you the loans that best match your answers. If you're applying for a specific loan or a limited-time offer, make sure your answers meet that loan's criteria, or it may not appear.

Credit checks

Every application has a full affordability assessment. Most loan applications, including Personal, Car, Home Improvement and Top-Up Loans, also include a hard credit check. A hard credit check is recorded on your credit file and may be visible to other lenders. This could affect your ability to get credit elsewhere.

Season Ticket Finance and Golf Membership Finance applications don't include a hard credit check. Each loan page explains the checks for that loan.

A real person reviews every application. We look at your income, outgoings and circumstances, not just your credit score.

After you apply

See How long does a loan application take? for what happens next.

Subject to status and affordability. Membership eligibility criteria apply.