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Loans Back to school loan

Back-to-school loan 

Spread the cost of school kit with an Everyday loan.

The average cost of a school uniform can be around £200 per child, per year*. Thatís before youíve bought PE kit and stationery.

Itís a stretch for many of us, but your back-to-school shopping list neednít break the bank.

Access the money you need now with an Everyday loan, and repay it in affordable chunks. 

Interest rate

From £100 to £1,749 42.6% APR
From £1,750 to £2,499 32.9% APR 

Take a look at our loan calculator to see how you could spread the cost. 

How to apply

If you are not already a member with us, you can  join and apply for a loan at the same time, by completing an online membership form. You will need to be on the electoral register and be able to make a £10 card payment.

If you are already a member, you can login to your account and apply online. 

You can also apply in person at our branch, or service point.

Why you should borrow from us

  • Big savings compared to payday and doorstep lenders
  • If youíve had trouble getting loans in the past, we may still be able to help
  • Repay weekly, fortnightly or monthly
  • Fixed repayments Ė so you know exactly what youíre paying
  • No late payment charges. 

Things you should know

  • You need to be up to date on any current or previous borrowing with BCU.

  • No adverse credit (for example CCJs or payment defaults) in the last 12 months.

  • You must have the disposable income to meet the loan repayment

  • Maximum loan term is 36 months

Read our guide to applying for a Bristol Credit Union loan

*Cost of school uniform 2015, Research report, Department of Education

Representative Example

Borrow £250 from Bristol Credit Union and repay £5.75 per week for 51 weeks and one payment of £5.21.Total payments £298.46.  42.6% APR representative. 


Non Member

How to contact Bristol Credit Union

Main Branch

112/114 Cheltenham Road
Bristol, BS6 5RW

By phone

Call us on 0117 924 7309

By email

Find Us here:
Bristol Credit Union Tel: 0117 924 7309 Fax: 0117 989 2540 Email: info@bristolcreditunion.org.uk Web: http://www.bristolcreditunion.org
© Bristol Credit Union 112/114 Cheltenham Road, Bristol BS6 5RW Tel: 0117 924 7309