Whatever your needs, we have a loan to suit you
Apply online
With a paperless approach to your loan you can now complete the whole process without using pen and paper. We will keep you updated throughout the whole process and if successful send your loan agreement by email for you to digitally sign. Once you tell us when to start your loan we will set up your Direct Debit and deposit the funds into your account.
Our loan Calculator
Try our loan calculator to see what your payments would be from a Moneywise loan. Please refer to different loan options below. There are more details of rates against each loan type.
When we offer a loan, what we tell you is what you get. We don’t add administration charges, early penalty charges or change the rate of the loan once set (all in plain English).
Lower rates are available during promotions or for long serving members.
*Our minimum loan term period is 3 months. This summary is for illustrative purposes only, so as to give you, the borrower, an overview of the potential cost of borrowing. All loan decisions and actual rates are dependent upon personal circumstances. Ask for a personalised illustration. Loan products may be withdrawn at any time and are subject to availability at the time of application. Moneywise Credit Union cannot be held responsible for any errors or omissions.
Personal Loans
We have a range of loans that will suit you depending on your circumstances and how much you’d like to borrow.
Pay day loans
If you are in employment and looking for a small loan to help with an emergency we can help. We offer short-terms credit without the excessive charges normally associated with Pay Day Loans.
Credit Repair loans
Our credit repair loan is designed to assist you in building your credit score.
Budget Account
If you are saving on a regular basis and then have an unexpected bill arrive, our budget account could be for you.
Apply Right Now
Membership is open to all who live and work in the Tyne and Wear, County Durham, Teesside or Northumberland region.
Joining Moneywise is free and all we ask is you save regularly to support our funds for lending. We only lend to members so you can be confident your savings are being used to support like-minded individuals.