If you’re not yet a member of Enterprise Credit Union and are looking to apply for a loan, please complete our loan application online. If you’re an existing member looking for a new loan or a top up to an existing loan, you can log in to your online account or use our mobile app, you can also contact us direct to discuss your options. Please click here to see how you can apply using our mobile app.  

At Enterprise Credit Union, we consider each application individually and take into account your personal circumstances.

As part of our assessment, we may carry out searches with credit reference agencies and fraud prevention agencies. These checks may be recorded on your credit file and could be visible to other lenders.

With your consent, we may also use Open Banking to securely access information about your income and spending. This helps us build a fuller picture of your financial situation and make responsible lending decisions.

We will always explain what information we use and how it affects your application.

You can pay into your account via Standing Order, Debit Card, Bank Transfer, Direct Benefit payment, and at any of our branches. We also accept cash and cheques at any of our branches and work with a number of local businesses offering payroll deductions.

For more info on how to make a payment, please visit our How To Pay page.

Yes, you can make additional payments to your loan at any time. Paying more off your loan can reduce the amount of interest you pay overall and help you clear your balance sooner.

If you wish to make an additional payment, you can do so by contacting us directly or by using our mobile app. If you do make an additional payment, please make sure you use your member number as the payment reference so we can allocate the payment correctly.

Top-ups on loans will only be considered after 20 weeks or five months of regular loan repayments. Top-ups are not available on Uniform or Season Ticket Loans.

No, unlike some lenders you can pay off your credit union loan early at any time with no financial penalties or fees.

Loan Protection Insurance is built into your loan when you borrow from Enterprise Credit Union. This provides peace of mind, knowing that in the event of your death, your outstanding loan balance will be cleared, subject to terms and conditions.

Borrowers must be under the age of 80 and will be asked to complete a declaration of health when taking out a loan. Some exclusions apply.

If you would like more information about Loan Protection Insurance, please contact us.