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Clockwise Loans

Why choose Clockwise

Fast decisions

We’ll aim to give you an instant decision or we’ll let you know within 1 working day and put the money into your account the same day!

Your circumstances considered

Fair and affordable credit. We consider all circumstances.

Flexible repayments

Repay weekly, fortnightly or monthly by debit card, standing order or from your benefits. No fee if you need to change.

Explore our loans

Family Loan

  • Borrow up to £500
  • Repay from your Child Benefit
  • Poor Credit History accepted
  • 42.6% APR

Personal Loan

  • Borrow from £50 up to £7,500
  • Repay over a maximum of 5 years
  • All circumstances considered
  • Between 42.6% and 16.1% APR subject to status

Personal Plus Loan

  • Borrow from £3,000, to £10,000
  • Available to home owners who are employed or self-employed
  • You will have a good recent Credit History
  • 8.7% APR

Payroll Partner Loan

  • Borrow from £50 to £15,000
  • Simple repayment direct from your salary
  • Exclusively for our payroll partners
  • Between 42.6% and 5.7% APR subject to status

Loan Finder

Unsure which Clockwise loan is right for you? Answer a few simple questions and our loan finder will find the best Clockwise loan for you.

Loan Finder

Save while you borrow & be rewarded!

We know how difficult it can be to save, especially if you have borrowed for something you need or want. To grow your savings, we will reward you for saving regularly during the time you are repaying your loan.

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Loans for people on benefits at affordable & lower cost rates

You may have been rejected for a loan elsewhere because of your income circumstances, but as a credit union, we consider all loan applications from people in our communities, including those who are in receipt of benefits.

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Check our frequently asked questions for answers to common questions about our loans.

Refund Policy

Taken out a Clockwise loan but changed your mind? Check our refund policy for more information.

Pay Loan

Make an additional loan payment to clear your balance quicker.

Take control with our app

Apply online, in branch or using the Clockwise app. Choose how much you want to borrow and for how long. We wil let you know how much it will cost and how long it will take to replay.

No fees to repay early

We won’t charge you to pay off your loan early, or make extra repayments.

Borrow more

If you’re eligible, you can borrow more by topping up your loan after four months.

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