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Credit Union Loans

Your Trusted Partner for
Ethical Loans

Apply for our credit union loans conveniently online. We're here to help you every step of the way!

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Serve and Protect Credit Union

Your go-to for credit union loans

At Serve and Protect, we are committed to improving financial resilience. Our credit union loans are catered to those who serve our nation, presenting straightforward borrowing opportunities with favourable terms. Plus, repayments are conveniently deducted from your salary. So, you can say goodbye to expensive payday lenders and embrace a more responsible approach to borrowing.

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Our range of credit union loans

Personal loans are available from Serve and Protect from as low as £500 to as much as £25,000. Once approved, payment is prompt and reliable, and there is no penalty for paying off in full early on. Also, if you need to borrow a little more, then our top-up loans can help tide you over and the extra will just be added to your loan balance, with no hidden fees or traps.

Personal Loan

Borrow up to £25,000 safely, securely, and simply. 

Top Up Loan

Already have a loan with us? Use our top-up loans to access more cash. 

Ministry of Defence logo
Metropolitan Police Service logo
London Fire Brigade
HM Prison & Probation Service logo
British Army logo
Merseyside Police logo
Nottingham University Hospitals logo
Royal Navy logo
National Crime Agency
North East Ambulance Service NHS Foundation Trust
West Midlands Police logo
Royal Air Force logo
Tees, Esk and Wear Valleys NHS Foundation Trust
Northumbria Police logo
Hertfordshire Constabulary logo
South Tyneside and Sunderland NHS Foundation Trust logo
Hampshire Constabulary
Royal Devon University Healthcare NHS Foundation Trust
North Wales Fire and Rescue Service
Dorset County Hospital NHS Foundation Trust logo
National Fire Chiefs Council
Devon & Cornwall Constabulary logo
Cleveland Police Force logo
Cleveland Fire Brigade logo
Avon & Somerset Constabulary logo
Somerset NHS Foundation Trust logo
Scottish Prison Service logo
Calderdale and Huddersfield NHS Foundation Trust

Getting Started

How our Credit Union Loans work?

Use loan calculator

Click apply

Complete application

Use our loan calculator to see what your repayments would be!

Loan Calculator

Don’t just take our word for it

See what our members have to say about our credit union loans

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Lewis

HM Prison & Probation Service

Amazing, I can’t recommend you all enough

You are all amazing. You have helped me and my family out so much. Because of you, I can now re-mortgage and get a cheaper deal. It was quick and easy.

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Mark

Royal Navy

Cannot rate it highly enough

Fantastic service, the process is swift and easy. I felt I was considered as a person and not an automated score. I am proud to be a member.

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Trusted Member

Scottish Prison Service

Easy, Fast and Friendly Service

I needed a loan for an expensive car repair. When I called to enquire if I was eligible for a top up my loan, the staff member was so friendly and knowledgeable. The fast, friendly service made the world of difference.
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Trusted Member

HM Prison & Probation Service

Treat you like a person

Needed a loan to consolidate credit card debts and some extra cash for Christmas. My credit score is atrocious, however, this was not even mentioned and I was approved quickly. It’s nice to be treated with respect and not as a number.
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Ashley

British Army

10 out of 10 as always

Serve and Protect have been brilliant since I opened an account. I applied for a second loan while overseas and they made this very easy. Thank you for everything I now live a better life.

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Trusted Member

HM Prison & Probation Service

Happy customer

Professional, efficient and no complications. I like the way it’s arranged based on salary and taken direct from source.
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Trusted Member

United Lincolnshire Hospitals NHS Trust

Excellent service

I was really struggling to pay my credit card and Serve and Protect Credit Union gave me a loan to consolidate my debts. Quick and easy to apply for a loan. Hassle free.
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Sylvia

Hillingdon Hospitals NHS Foundation Trust

Fantastic

They responded very quick and were happy to help in a delightful caring kind of way. They listened to why I needed the loan.
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Jaydon

HM Prison & Probation Service

Great People

Brilliant service. Genuine people who want to help you in tough times. Couldn’t of been better. Got approved for a loan even though I have only worked in the job for three months.
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Hitson

British Army

I am very pleased with the service

Serve and Protect has helped me every time I’ve needed credit. The process isn’t lengthy or complicated. I am very pleased with the service I’ve received so far!

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Nyhyl

British Army

Amazing service!

The service I received was simple, easy, straightforward, and painless. They were eager to help me from the beginning and they made the whole process easy fast and easy. I couldn’t ask for anything more.

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Trusted Member

Buckinghamshire Fire and Rescue Service

Top Quality Service

The service from Serve and Protect has been absolutely outstanding. I’m so impressed with how I have been treated. I would definitely recommend them again!
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Kevin

British Army

Without a doubt, I would recommend this service

Where can I start, not only is this company very professional, but it also has a wonderful lending team that provide such good customer service and are always happy to help you, in any way! l recommend these guys to anyone looking for a loan or to settle debt.

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Andrew

British Army

Amazing as always

As always they impartially look at your circumstances, and affordability and offer help wherever possible. Amazing quick and super friendly service.

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Jonetani

British Army

Always there for me whenever I need help

The service is great and always there for me whenever I need help from Serve and Protect, especially with my savings. It really helped my family back at home a lot.

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Trusted Member

HM Prison & Probation Service

Quick and easy. Legends!

Fantastic customer service. Quick and to the point with little confusion. Credit builder loan was perfect for my situation and will look to use the service again if needed in the future.
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Aby

London Residential Healthcare

Life saving angel

 I am literally grateful for them as they helped me with a loan for which was in great need. I already recommended this union to my colleagues and friends and already 2 of my friends join. This credit union is a life saving angel in terms of low interest APR as compared to high street banks!
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Rebecca

South Tyneside and Sunderland NHS Foundation Trust

Great service

Excellent service, fast and easy to use. Once I submitted all the paperwork, the loan was processed and in my account within a few hours.

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Trusted Member

Scottish Prison Service

Hassle free loan

This is probably the fourth time I have used Serve and Protect Credit Union and its always been the easiest and most hassle free loan I have had.
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Michael

Somerset NHS Foundation Trust

Their service is brilliant

Customer service are very approachable and helpful. They will help you in every step of the way. The loan was very helpful, especially for someone like me who really was in need.
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Dennis

British Army

Outstanding service!

Outstanding service! Less than 24 hours after applying for a car loan, it was credited to my account Thank you so much.

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Trusted Member

East Kent Hospitals University NHS Foundation Trust

I got exactly what i needed at the right time

The staff were  friendly and assisted me in a professional manner. They called to find out how I was getting along with the process and helped me along the way.
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Trusted Member

HM Prison & Probation Service

Impeccable

Professionally completed all background checks and paperwork on applicants and kept me informed at every step. The loan has already put my mind at ease, and stopped me wasting money on high interest rates!
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Hollie

HM Prison & Probation Service

Highly recommend!!

Brilliant service, nice quick process! A lot of stress has been relieved knowing my debts are sorted and I’m clearing this via my payslip! Thanks so much.
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Kerry

HM Prison & Probation Service

Quick, respectful and non-judgemental

Serve and Protect Credit Union responded quickly to my application for a loan. There was no judgement that I needed the money for a hot tub, either. In fact, I have fibromyalgia, which is why I need one. They couldn’t lend me the full amount, but this showed me that they are responsible lenders.
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Trusted Member

British Army

Extremely Helpful

Extremely helpful and understanding. Helped me even when no one else would. 100% recommend to all Armed Forces serving personnel.

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Bryan

Avon & Somerset Constabulary

There are no hidden catches, just big benefits

I have been a member now for over 30 years. My savings are taken from my salary which makes it easier. I have had numerous loans over the years when I needed bailing out. Joining is a ‘No Brainer’. Just do yourself a favour and join. There are no hidden catches, just big benefits.

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Mick

West Midlands Police

The credit union is a great ‘friend’

Easy to save. Easy to withdraw savings. Easy to apply for a loan. The credit union is a great ‘friend’, especially when the going gets tough, they’re there for you!

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John

Merseyside Police

It has helped my own family when they needed assistance

I have been a member for many years and used the facility to save and borrow. It has helped my own family when they needed assistance instead of going to banks and paying lots of interest. I am also happy knowing the money I save is there to help other people as well.

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Nikki

Sussex Police

The credit union are there for us all

I was a struggling, single parent with no great credit at the time and in a few clicks Serve and Protect helped me get back on track. No quibble, no negative impact. That was nearly 10 years ago. Still have my little savings account and a positive credit score. The credit union are there for us all.

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Trusted Member

HM Prison & Probation Service

Would recommend!

Excellent service and communication, everything was dealt with in an efficient and professional manner. Helped me to get the car I wanted and needed, thank-you very much for your speed and support during the loan process.

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Karen

HM Prison & Probation Service

Staff always kind & helpful

I am relocating to another jail and I had to pay 6 months rent up front. Serve and Protect didn’t hesitate to help me out. Cannot recommend this company enough. Thank you.
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Trusted Member

HM Prison & Probation Service

Absolutely brilliant

Managed to pay off all of my other credit commitments and I now have one very affordable payment which I don’t even notice as it goes out of my wages before it even hits my bank account each month.
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James

Prison Officers' Association

They really went the extra mile

Superb, professional and plenty of patience, they really went the extra mile. The loan will get me over a temporary cash shortfall, without costing the earth.
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Trusted Member

Scottish Prison Service

Very straight forward process

Very straight forward process and communication was excellent. Stress free application and made feel valued as always. Will allow me to finish my renovation.

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Trusted Member

HM Prison & Probation Service

Swift decision and good communication

I was very impressed. Very swift decision and good communication in time. The best financial service I have ever received. Kudos.

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Trusted Member

Nottingham University Hospitals NHS Trust

Very quick service

Interest rates are a lot lower than what I was paying on my credit cards and having an end date for the loan is a great reassurance.
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Trusted Member

Dorset County Hospitals NHS Foundation Trust

Quick and Seamless Processing

They have been very communicative and prompt. Very helpful and quick processing. The rates are good too. I am pleased.
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Siyad

Somerset NHS Foundation Trust

I am completely satisfied

Really it was an hard time for me, but when I gave a proper explanation and proof they provided me a loan at a reasonable rate. Within 6hrs I received money in my bank account.
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Douw

British Army

This helped me to consolidate my finance agreement

Very helpful and assisted where possible to ensure I got the best outcome when applying for a loan. This helped me to consolidate my finance agreement the next day against a far greater APR than that of the company.

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Martin

North East Ambulance Service NHS Foundation Trust

Very professional and helpful

I used Serve and Protect for a new loan and the loan process was very simple with a quick decision This company are very professional and helpful with the loan being deposited very quickly. I highly recommend serve and protect credit union to anyone.
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Amanda

Prison Officers' Association

Prompt and Professional

I have consolidated my debt and know now I have one payment, which has streamlined my finances. The whole experience from start to finish was smooth and efficient.

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Trusted Member

British Army

They really helped me and my family

Very satisfied with the service from Serve and Protect Credit Union. They were very helpful, especially during my time and family’s time of need.
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Trusted Member

Scottish Prison Service

First class personal service throughout

A very individual service as my financial situation was slightly complicated but it wasn’t a problem. They took the time to understand it subsequently were able to offer me the loan.

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Trusted Member

HM Prison & Probation Service

Good job from the loans team

The loan team were very helpful with the application process and feedback on when payment would be made. A great team performance, keep it up.

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Benjamin

British Army

Outstanding

Excellent service with great advice and a fully understand team. Overall amazing. I have already recommended a friend to take a look and he got a loan for his car and says the same.
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Trusted Member

Yeovil District Hospital NHS Foundation Trust

Excellent Service

Excellent customer service and quick processing time. I would definitely recommend to my friends and colleagues and those who are in need.
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Trusted Member

British Army

A Credit Union you can trust

The service received was amazing. The Serve and Protect team were swift in responding to my enquiries. My first time getting a loan in the shortest possible time. I got my loan in 3 working days, which is very impressive. I’m glad to be a member of Serve and Protect.

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Trusted Member

Nottingham University Hospitals NHS Trust

The loan really helped me

The loan really helped me to get rid of a high interest rate from the bank. Thank you so much for the processing. I appreciate everyone behind this. Thank you.
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Colin

Sussex Police

A pleasant experience and great customer service

Quick, easy and without fuss. Minimal questions and came back with a really good rate and repayment schedule. Highly recommended.

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Trusted Member

Scottish Prison Service

Quick and easy

The service I received from the team was very helpful, they gave me information throughout the process and made it quick and easy.

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Trusted Member

Chelsea and Westminster Hospital NHS Foundation Trust

Best customer service ever

Best customer service ever. Liked the team. Everything was efficient and so diligent. Quickly responded all my queries and my loan was passed quickly.
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Suzanne

British Army

The loan application was super easy

The customer service team were super helpful, polite and accommodating. The loan application was super easy and the team always ensured I was kept up-to-date with any changes. I would highly recommend them and will absolutely be using them again for any loans or savings needs.

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Courtney

Royal Navy

I'm so grateful that I found out about them

Very attentive and considerable service. Even when all hopes are lost, Serve and Protect meet the standards and requirements of my needs. I’m so grateful that I found out about them.

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Trusted Member

Circle Health Group

The service was fast

The team were pleasant, informative and the service was fast. I will recommend my colleagues to join this credit union.
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Opoku

Somerset NHS Foundation Trust

Really impressed me

The service was beyond my imagination. The team really impressed me on my experience with them and I am happy to part of the service.
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Stephanie

York Teaching Hospital NHS Foundation Trust

Excellent service

From start to finish it was an easy, user friendly experience. Everyone I spoke to was friendly and helpful, and everything was really well explained.
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Trusted Member

HM Prison & Probation Service

Very efficient and non-judgemental

I thought the service was very efficient and non-judgemental. They actually listened to the reason why I wanted the loan, unlike a lot of loan companies that just want to see your credit score.

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Trusted Member

Scottish Prison Service

Painless process

The loan meant I could enjoy a great family holiday without worrying about money. The whole process was quick and easy. Between the initial enquiry about a loan to the money going into my account, it was a seamless process.

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Trusted Member

Royal Navy

They have literally change my life

Absolutely fantastic service provided. They were calm in talking me through my worries and concerns and how best to approach my application to give it the best chance. I’m very grateful to Serve and Protect. They have literally changed my life.

Frequently Asked Questions

At our credit union, we offer personal loans for a variety of purposes. So, whether you want to consolidate debt, renovate your home, plan your dream wedding, or buy a car, we’re here to help you make it happen.

You have the opportunity to apply for loans ranging from £500 all the way up to £25,000. We’re here to help you make your financial goals a reality!

If you’re not already a member, no worries! You can complete an application to join and borrow at the same time. We’re here to help make the process easy for you.

Once you finish your application, our dedicated lending team may contact you. Then they may request specific documents, like bank statements or payslips, to better understand your situation and assist you accordingly.

There are no administration fees for taking out a loan with us. Plus, you have the flexibility to repay your loan early at any time, without any penalties.

As for the interest charges on your loan, you can use our loan calculator to see this before applying. Don’t worry, we’ll make sure you have all the information you need!

You have the flexibility to repay your loan over a period of 1 to 8 years, depending on the amount you borrow. We’re here to help you find the repayments that work best for you.

We take our responsibility as a lender seriously and want to be transparent. Although we cannot guarantee loans, we consider more than just your credit score. Our decisions are based on your personal circumstances. You can find detailed information about the criteria on our loan product pages. Feel free to explore!

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