Car Loan

No deposit, no conditions, no hidden fees. Just money to buy your car.

We know what it’s like: you see a car you like and you just want to buy it. Simple. The last thing you want to worry about are deposits, hidden charges, balloon payments or mileage restrictions.

At BCCU, we just give you the money to buy your car. It’s that simple. Unlike with hire purchase agreements or PCP's, you own your car from the outset. Trust us to help you own you the car you want today - with no hidden conditions.

Apply Now

Join our credit union community supporting all our members

The benefits of borrowing from us

Easy application online or in branch

Documents can be sent digitally for signature

No early repayment fees or penalties and no hidden fees

Repayments are flexible and tailored to suit the individual’s needs

Interest is charged only on the outstanding reducing balance

Free Loan Protection Insurance

Loan Application Process

How to Apply for a loan with BCCU!

1

Become a Member

Once you are living or working within our common bond you are eligible to join us today and start borrowing.

2

Calculate your Loan

Estimate how much you could borrow and calculate your repayments.

3

Apply for a Loan Online

Apply for your loan from the comfort of your home. Applying for a loan is easy and quick. Apply now!

4

Sit back and relax

The decisions are made quickly on loan applications and, if is approved, the funds are issued within 48 hours.

Our Loan Rates

No deposit, no conditions, no hidden fees. Just money to buy your car.

Loans up to £7,499

Loans up to £7,499

12% (12.68% APR)

Min Term 1 month

Max Term 60 months (5 years)

£7,500 - £14,999

£7,500 - £14,999

9.95% (10.42% APR)

Min Term 1 month

Max Term 96 months (8 years)

£15,000 - £34,999

£15,000 - £34,999

8.5% (8.84% APR)

Min Term 1 month

Max Term 120 months (10 years)

£35,000 - £70,000

£35,000 - £70,000

7.5% (7.78% APR)

Min Term 1 month

Max Term 120 months (10 years)

Secured Loan

Secured Loan

6.9% (7.12% APR)

Min Term 1 month

Max Term 300 months (25 years)

Savers Loan

Savers Loan

5.9% (6.06% APR)

Min Term 1 month

Max Term dependent on amount

Loan Calculator

Apply for a loan with interest rates that suit you!

Maximum Loan Amount :
Maximum Loan Term :

£

Term

Repayment Frequency
£
APR
12.68%
# Repayments
Total
£
APR
12.68%
# Repayments
Total
£
APR
12.68%
# Repayments
Total
£
APR
12.68%
# Repayments
Total

This calculator is for illustrative purposes only, to give you, the borrower, an overview of the potential cost of borrowing. The Credit Union, or any of its staff, cannot be held responsible for any errors. Please note that this calculator only provides an indicative quote and actual repayments may vary.

Representative Example

The example will help to show you the typical costs associated with a loan

Loan Amount

£7,500

Rate of interest - APR

10.42%

Loan Term

3 Years

Total Interest

£1208.38

Monthly Repayment

£241.92

Total Cost of Credit

£8708.38

Ready to apply?

One of the main ways we support our members is by offering competitive loans. Our loans are provided on reasonable terms to our members.

Apply Now
  • Become a member at BCCU
  • Apply Online
  • Up to three months bank statements
  • Satisfactory credit check

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