Debt Consolidation

Simplify your finances by transferring all your borrowing to a single loan. Depending on your situation, you may be able to save money and clear debts faster too.

Borrow from £1 to £15,000

How would you like to pay back?
(Select a time period)

Get your finances back on track

Make life simple and get control over your finances. Move your borrowing to a single loan with a fixed interest rate, and a repayment schedule to suit you.

We’re much more affordable than payday and doorstep lenders and competitive with many high street options. There’s no charge for repaying early either, so you may find you can clear your debts faster and save money too.

There’s another bonus when you transfer to us: positive local impact. Unlike other lenders, we don’t send profits to faraway shareholders. Your interest only benefits members in our local neighbourhoods.

  • One simple payment
  • No hidden fees or late payment charges
  • Flexibility to repay weekly, fortnightly or monthly 

We’ve been helping local people borrow better for over 20 years

We’ll consider you for a loan, even if you’ve been turned down elsewhere

99% of our borrowers are happy with our service

Our loans have a 5-star rating from the Fairbanking Foundation


Yes! Unlike other lenders, we do not charge early repayment fees. You can pay off your loan early, or make extra payments at any time, with no charge, by logging in to your account or giving us a call. 

We offer loans from £100 to £15,000. How much you can borrow depends on your personal circumstances. When we make our decision, we look at factors such as your income, your outgoings and if we think you'll be able to afford to repay the loan.  

Read our blog post on the top 5 reasons why we turn applications down - and what you can do to turn that ‘no’ into a ‘yes’.

Even if you have had difficulties managing credit or bills in the past, you may be able to qualify for a loan with Bristol Credit Union – subject to affordability.

We do carry out a credit check, but a poor credit history does not necessarily mean we won’t lend to you. We take every applicant’s personal circumstances into account when we make our decision.

Read our blog post on the top 5 reasons why we turn applications down - and what you can do to turn that ‘no’ into a ‘yes’.

Yes. As a responsible lender, we will check your credit history with a Credit Reference Agency to help us make our lending decisions, but you can still qualify fora loan with us even if you’ve got a bad credit history.

Amazing service and has truly helped me get my finances back into decent shape. It's great knowing that I have a plan to be debt free in 3 and half years!


To apply for a loan, you need to meet the following criteria: 

  • Age 18+ and live, work or study in Bristol, Bath, South Gloucestershire, North Somerset or Bath and North East Somerset. 
  • Or you're a UNITE and UNISON member from the South-West, or a tenant of one of our partner housing associations 
  • You have a regular income over £450 per month 
  • You have enough disposable income to meet the loan repayments 

Choose how much you would like to borrow

We offer loans from £100 to £15,000, subject to status.

Our rates are fixed and depend on the amount you are asking to borrow.

Take a look at our loan calculator to see how much you could borrow and what the loan would cost.

Try the loan calculator

Have your documents ready

You'll need an email address and mobile number to start your application. Make sure you also have your National Insurance number, income details and bank details handy, plus proof of identity.   

If you are unable to provide these during your application, you can save and complete in branch or at one of our Service Points. 

Find a branch

Start your application

Now that you have everything you need, you can get started on your application. It takes about 15 minutes to apply online and get a decision, and you can save your application at any time and come back to it later.  

Get started

Not sure this is the right loan for you? Have a look at our other products

View our other loans