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APR Disclosure: Annual Percentage Rate (APR) refers to the annual interest generated by a sum that is then charged to borrowers. APR is expressed as a percentage that represents the annual cost of borrowing over the term of the loan. This figure includes any fees or additional costs associated with the loan. The APR provides consumers with one bottom-line number they can compare with other loan offers, credit cards, or investment products.

Maximum Annual Percentage Rate (APR) is 42.6%.
Minimum period for repayment is 90 days.
Maximum period for repayment is 60 months.

Representative Loan Example: A representative loan of £3000 paid back over 24 months at 21.9% APR would mean a monthly repayment of £152.64 and total repayable £3663.35

Clockwise Credit Union Limited, Reg. No. FRN213498 is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Clockwise is a member of the Financial Services Compensation Scheme, the Financial Ombudsman Service and All Together Money (formally ABCUL). Registered office: 1 St Nicholas Place, Leicester, LE1 5LB. Clockwise Credit Union Ltd is registered in England No. IP00280C

The Clockwise Credit Union’s regulated products/services are provided in partnership with PayrNet Limited. PayrNet Limited is authorised by the Financial Conduct Authority (FCA) as an Electronic Money Institution, with FRN 900594. Company registered in England & Wales with registration no. 09883437 and registered office at 3rd Floor, Vintners’ Place, 68 Upper Thames Street, London EC4V 3B. PayrNet Limited is a wholly owned subsidiary of Embedded Finance Ltd and operates under the trading name “Railsr”. Cards are issued by PayrNet under licence from Mastercard International Incorporated and Visa Europe. Your funds are safeguarded in accordance with the Electronic Money Regulations 2011 and are not protected by the Financial Services Compensation Scheme (FSCS).

ADDRESS: 1 St Nicholas Place, Leicester, LE1 5LB.
TEL: 0330 17 55 792
EMAIL: hello@clockwise.coop
Twinned with Castlebar Credit Union in Ireland.

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