Loans Generic

Loan Products

Award winning personal loans, tailored for you

Access affordable loans with 1st Alliance

Here at 1st Alliance (Ayrshire) Credit Union we understand that most people will need to borrow at some point in time and all of our loans are personal and can be used for provident purpose.  We always encourage our members to develop an honest relationship with us as well as operating a positive savings and loans portfolio.

We offer four loan types: Guaranteed Loans, Share Based Loans, Low Income Loans and Payroll Loans.

You can also have peace of mind with our personal loans which have gained a 5 Star rating, awarded by Fairbanking.org 

Better Off North Ayrshire Loan

Borrow up to £400

Better Off North Ayrshire Loan

Apply today

Find out more

Are you are a Lone Parent, Unemployed or on a Low Income and live in North Ayrshire? Are looking to borrow a small pot of money below £400 at just 3% a month on the reducing balance, then the Better Off North Ayrshire Loan is for you.

Guaranteed Loan

Fully secure your loan against your shares

If you are a member of 1st Alliance (Ayrshire) Credit Union and are looking to fully secure your loan with your shares, the Guaranteed Loan is the right choice. You can be assured that you will be approved, as you are simply borrowing your own money.

Guaranteed Loan

Apply today

Find out more

Share Based Loan

Our most popular loan product

Share Based Loan

Apply today

Find out more

If you are looking to borrow between £400 and £15,000 against your 1st Alliance (Ayrshire) Credit Union shares, whilst paying as little as 1% interest a month on the unpaid balance, then the Share Based Loan is the obvious choice.

Low Income Loan

For those that don't qualify for a Share Based Loan

Designed as a starter loan, our Low Income Loan has been created for new or existing members who do not qualify for a Share Based loan. Since this loan is secured against a benefit the maximum loan is £400 and is charged at 3% a month on the unpaid balance.

Low Income Loan

Apply today

Find out more

Payroll Loan

Do you work for one of our Payroll Partners?

Payroll Loan

Apply today

Find out more

Similarly to the Low Income Loan, the Payroll Loan was intended for new or existing members who do not qualify for a Share Based loan. To qualify for a Payroll Loan, you must work for one of our payroll partners (North Ayrshire Council, Hansel village, Ayrshire Housing and SeaScape).