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Credit Union Car Loans

Credit Union Car Loans: Where You Journey Begins

Say goodbye to complicated car finance plans. With a credit union car loan from Serve and Protect, you’ll get a fair, flexible, and stress-free way to finance your next car.

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Key Features of Our
Credit Union Car Loan

At Serve and Protect, we believe in making car ownership easier and more affordable for everyone. Whether you’re upgrading to a new model or buying your first vehicle, our focus is on helping you drive away with confidence and no unnecessary hassle. 

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Range

You can apply for loans between £500 and £25,000.

Repayments

You can choose repayment terms between 12 to 72 months.​

Rates

We have affordable tiered rates starting from 8% APR to 13.5% APR.

Why Choose a Credit Union Car Loan?

Looking for your next car? Our Credit Union Car Loan offers competitive rates and personalised support, making it a smart, member-focused alternative to traditional lenders.

Flexibility with the Vehicle

Our personal loans can be used for more than just buying a car. Whether it’s covering additional costs like taxes, registration, insurance, or even vehicle accessories, you have the freedom to use the loan however you see fit.

Freedom to Buy from Any Seller

Our credit union car loan allows you to buy your vehicle from a dealership, a private seller, or even purchase a used car, giving you more options in your car search. You’re not limited to specific dealerships or new cars.

No Down Payment Necessary

Unlike other forms of car finance, our credit union car loan doesn’t require a down payment, meaning you can finance your entire vehicle purchase without needing to save up a large upfront sum.

Own the Car Once the Loan is Paid Off

With a credit union car loan, you’ll own the car outright once the loan is fully repaid. Unlike leasing, which means you never own the vehicle, an unsecured loan allows you to keep the car once you’ve completed your payments, giving you long-term ownership and flexibility.

A happy woman sitting in her new car, showcasing the benefits of credit union car loans for affordable and flexible financing.
A happy woman sitting in her new car, showcasing the benefits of credit union car loans for affordable and flexible financing.
A happy woman sitting in her new car, showcasing the benefits of credit union car loans for affordable and flexible financing.

Things to consider

  • Your Budget and Loan Affordability - Consider how the car payment will
impact your overall financial commitments, including other debts and living
expenses.
  • Other Costs - Be mindful of other expenses like insurance, maintenance, and
fuel costs.
  • Selecting Your Car - Are you thinking about a new or used car? Each option
comes with its own set of advantages and considerations.
Can I Apply?

To apply for our Credit Union Car Loan, you need to:

  • be eligible to join our credit union
  • be aged 18 or over
  • be a UK resident
  • be in paid employment or have a regular income and are not a full-time student
  • and not have any recent CCJs, credit defaults or bankruptcies

If your employer hasn’t set up payroll deduction with us, you can still repay via direct debit, as long as you fit in to our field of membership.

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Use our loan calculator to explore repayment options and find what works for you!
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Frequently Asked Questions

Our rates range from 8% APR to 13.5% APR, depending on the amount borrowed and repayment terms.

Absolutely. There are no penalties for early repayment, so you can take control of your finances at any time.

Yes, we run credit checks as part of our process. However, we consider many factors beyond your credit score, such as your income and financial habits, so don’t count yourself out if you’ve had a few bumps.

Unfortunately, we are unable to lend to individuals who live outside of the UK unless payroll deduction is available with your employer.

A credit union car loan gives you ownership of the car from the start, unlike PCP or hire purchase arrangements, where the car remains the dealer’s property until fully paid off.

No deposit is required. We can finance the full cost of the car or any portion you need.

We can finance both new and used cars, provided they meet our lending criteria.

Our team is here to help with any further questions you may have. Reach out to us at 0121 700 1222 or start your application today with confidence! Apply Now.

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Ready to Apply?

If you’re ready for a car loan option that puts you first, Serve and Protect is here to help. During your application and after you apply, you may be asked to provide:

  • proof of identity and proof of address
  • proof of employment and/or income
  • information about your financial situation
  • your banking details so you can save with us

Start the application process today and see why so many people trust us to finance their vehicles.

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Notice: Scheduled Maintenance

Our app and online access will be unavailable for 2 hours on Sunday, June 8, from 4:00 AM to 6:00 AM, as we work on scheduled upgrades to make things faster and smoother for you. We apologise for any inconvenience this may cause.