When banks say no,we help you get to yes
2.2 million people in the UK are already Credit Union members
1 in 3 adults in the UK are let down by high-street lenders. Credit Unions work differently, and we can help you find the ones that could lend to you.
How Get to Yes works
We do the hard work of finding the Credit Unions who could lend to you. All you have to do is tell us a bit about yourself.
Tell us what you need
How much you'd like to borrow, for how long, and why. There's no right or wrong answer.
We look at the full picture
A soft search, which leaves no mark on your credit file. You can also connect your bank securely through Open Banking, so what you can actually afford counts too.
See what a lender sees
Before you apply anywhere, we show you the same picture a Credit Union would see — and anything you could do that might improve your chances.
Meet your matches
See which Credit Unions could consider you as a member, with their rates and how well your details fit.
Get to yes
Choose a Credit Union and apply directly with them. They make the decision, and many respond quickly.
Credit Unions are built to say yes
High-street banks have invested billions in technology to decline applications faster. Credit Unions are different — they are not-for-profit, member-owned, and exist to serve their communities.
They do not judge you on a credit score. They look at your actual situation, your income, and whether you can afford the repayments. That is why so many people who have been turned down elsewhere find a home with their local Credit Union.
They want to help
Unlike banks who filter out millions of people, Credit Unions are member-owned. When you borrow, you're also a member — they genuinely want to help.
Affordable rates
Credit Union rates are capped by law. No hidden fees, no penalty charges, no nasty surprises. Just clear, affordable lending.
Your local community
Credit Unions serve specific communities — your local area, your employer, your sector. They know your situation and they care about your financial wellbeing.
Safe & regulated
All Credit Unions are regulated by the FCA and PRA. Your savings are protected up to £120,000 by the FSCS — just like a bank.
Ready to get to yes?
It takes less than 3 minutes. No impact on your credit score. Find out which Credit Unions could lend to you — right now.