Join 2.2 million other people who got to yes
20 million UK adults are financially underserved by high-street banks. Credit Unions are different — they want to lend to you. We will match you with the ones who are right for your situation.
We do the hard work of finding Credit Unions who want to lend to you. All you have to do is tell us a bit about yourself.
Tell us how much you'd like to borrow, for how long, and why. There's no right or wrong answer — we're here to help.
We run a soft search (zero impact on your credit score) and match you with Credit Unions who are actively looking to lend to people like you.
See which Credit Unions want to welcome you as a member, with their rates and an estimated chance of approval. It feels more like a dating site than a bank.
Choose your preferred Credit Union and complete your application directly with them. Many accept applications in minutes.
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.
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.
Credit Union rates are capped by law. No hidden fees, no penalty charges, no nasty surprises. Just clear, affordable lending.
Credit Unions serve specific communities — your local area, your employer, your sector. They know your situation and they care about your financial wellbeing.
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.
“I'd been turned down by three banks. incuto matched me with a local Credit Union in minutes and I got a loan the same week. I couldn't believe it.”
“The interest rate was half what I expected. The team at the Credit Union actually called me to discuss my options. Never had that from a bank.”
“As someone who's self-employed, banks always said no. My Credit Union understood my situation and approved me based on actual affordability.”
It takes less than 3 minutes. No impact on your credit score. Find out which Credit Unions want to lend to you — right now.