Loans

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Why apply for a loan?

Loans – normally from £300 – £5000, but up to £15000 can be available to homeowners – are available for any reasonable purpose.

We also offer loans to help you pay off debts which are at much higher rates of interest than we charge and so reduce your repayments. We do not charge fees for arranging loans and loans can be
repaid early at any time without penalty.

All our loans, including our homeowner loan, are unsecured.

Our interest rates are competitive with other forms of credit. There are no hidden extras and, if you pay off the loan early, you pay less interest – no penalties.

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What can I use it for?

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    Car purchases
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    Home improvements
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    Holidays
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    Home rental deposit
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    Rail season tickets
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    Weddings
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    Driving lessons
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    Solar panels/home insulation

Which type of loan is best for you?

Take a look at the types of loans we offer.

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loans
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Loans
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Our Hub

Keep up to date with our latest news, resources and financial wellbeing

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December 1st 2025
Engage Card – Important Information
It's been announced that the Engage Card is being closed down. Please be aware of what this means for members who have an Engage Card.  Engage pre-paid cards have been available to  Credit Union members in the UK but will no longer be available. More details can be found at  https://engageaccount.com/ If you have an Engage Card account, this will soon be transferring to another Pre-Paid Debit Card provider. You may have already seen a communication from Engage about their acquisition by SuitsMe. Engage will contact you with specific details on the timeline of the account closure. ...
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November 6th 2025
The rising tide of illegal money lending
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October 14th 2025
International Credit Union Day 16th October 2025
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April 8th 2025
St Albans Community Bank Supports The Campaign To End Illegal Money Lending
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Financial Services Compensation Scheme (FSCS)

You can sleep easy at night knowing your money is safe and protected under the financial services compensation scheme.

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St Albans Community Bank is the trading name of The St. Albans District Credit Union which is authorised by the Prudential Regulation Authority and regulated by the Financial Regulation Authority and the Prudential Regulation Authority, FRN 213794. Registered in England & Wales company number IP00662C.

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