Affordable Loans For When You Need Them
Fair, Affordable Loans
Borrow with confidence from your local credit union, fair, transparent, and focused on helping you stay in control.
When life throws you a curveball, Citysave is here to help.
We offer fair, affordable loans with clear terms, flexible repayments, and no hidden fees. As a not-for-profit credit union, we put your financial wellbeing first, not shareholder profit.
Find the Right Loan for You
Explore our loan products to find the one that fits your situation.
Payroll Loan
- Borrow between £500 and £15,000
- Payments take direct from your payroll so you never miss a payment
- Pay back your loan over 1-5 years
- Interest rate of 1.5% per month (19.6% APR)
Personal Loan
- Borrow between £500 and £10,000
- Available to members not enrolled with a payroll partner and with us for more than 6 months
- Pay back your loan over 1-5 years
- Interest rate of 2% per month (26.8% APR)
Welcome Loan
- Borrow between £500 and £1,500 to cover short term costs
- Available to new members getting started with Citysave
- Interest rate of 3.5% per month (42.6% APR)
Flexi Loan
- Borrow between £500 and £2,000
- Repayment plans designed around your budget
- Top up your loan during the year as needed
- Interest rate of 2.9% per month (34.5% APR)
Family Loan
- Borrow between £250 and £1,000
- Interest rate of 3% per month (42.6% APR)
- Paid back direct through your child benefit meaning you never miss a payment
Why Borrow with Citysave
Fair, Transparent Lending
No hidden fees or confusing terms, just clear, affordable loans.
Local and Ethical
We’re part of your community, not a high-cost lender.
Designed Around You
Repayments that fit your pay cycle and your life.
Your Loan Application Journey
We make borrowing straightforward and supportive from start to finish, with decisions typically made within two working days. Here’s what to expect:
1
Application
Complete our simple online application form.
2
Documents
To help us assess your application, we'll ask you to provide a few documents. These typically include: Photo ID, recent payslips, bank statements
3
Assessment
Our team will review your application to make sure your repayments are realistic and sustainable for you.
4
Decision
We'll let you know our decision within two working days of receiving all your information.
After Your Loan is Approved
Once your loan is approved, we’ll get everything moving quickly and simply.
Fast transfer
We’ll validate your bank details and send the funds, often on the same day.
Savings safety net
You can choose to leave some money in your account as a buffer for life’s surprises.
Stay in control
Manage your loan and savings easily through your Citysave account or mobile app.
Every loan helps you stay in control of your finances, building your credit, confidence, and long-term financial stability.


How Much Can I Borrow?
Use our Loan Calculator to find out how much you can borrow.
Frequently Asked Questions
How long does it take to get my money?
When your loan is approved, the funds are transferred to your Citysave account almost immediately. To get the money into your personal bank account on the same day, you need to request the transfer before 4:00 PM on a business day. If you request a transfer after this cut-off time, or on a weekend or bank holiday, the funds will arrive in your bank account on the next business day.
Can I make extra payments or pay off my loan early?
Yes, absolutely. You can make an extra repayment or pay off your loan in full at any time, and you'll never be charged a fee for it. You can make an extra payment by calling us directly on 0121 616 6200 or by transferring funds via online banking.
How does further borrowing work?
We understand your financial needs can change. As a member, you can have up to two loans at any given time. To apply for another loan, you’ll need to have made the following minimum repayments on your existing loan:
What types of loans does Citysave not offer?
As a responsible lender, we focus on products that support your financial well-being. We don’t offer:
Will I be approved for a loan if I have a tricky credit history?Â
We look at more than just your credit score. Unfortunately, we are unable to offer a loan to applicants with a very recent history of debt issues, including:
Life is Easier With The Citysave Mobile App
Easily make withdrawals from your account via our app.
