Contact Oldham CreditUnion


Simple, Affordable, Flexible Loans of £100 – £10,000 from your community lender.

OCU is owned and run by its members- the people of Oldham.

We have served the people of Oldham since 2002, making loans in excess of £6M.

From unexpected bills to big planned items such as home improvements, holidays or car purchases, your credit union can help you.

Any amounts over £1000 are subject to a credit reference check.

You may only receive one loan product at a time.

To apply for a loan, you first need to be a member of Oldham Credit Union. To join, click here.

Family Loans Payroll Loans Member Loans Soundpound


Benefits of using us for your loans

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Loans from £100 - £10,000

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Rates from 6% APR

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Free Loan Protection *For most members- T & C’s apply

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Flexible repayments to suit you

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Affordable, Convenient, Ethical

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No extra charges for early repayments

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Interest payments decrease as you repay the loan

Loan Examples

A Member Loan of £4000 over 36 months at 1% per month (12.7% Apr) will cost £132.86 per month. Total repayable £4782.84.

Amount Borrowed


Interest Rate(APR)


36x Monthly Repayments


Total Repayable


A Member Loan of £500 over 12 months at 3% per month (42.6% Apr) will cost £50.24 per month. Total repayable £602.75.

Amount Borrowed


Interest Rate(APR)


12x Monthly Repayments


Total Repayable


Customer Testimonial

"It's easier and cheaper to borrow money than at the bank  and is taken directly from my wages. The staff are friendly and professional."

Mr Durkin, Oldham

"It is a good way to save a little each week that you do not miss. It helps others, to make funds available for people to borrow at low interest rates, that would not be able to borrow from banks. The..."

Mrs Casey, Oldham

Loan Calculator

This calculator is for illustrative purposes only. The actual interest rate will depend on a members individual circumstances at the time of application.
What kind of a loan do you need?



  • Weekly


    Total Interest

  • Every Month


    Total Interest