There may be occasions when you need a little help with your cash flow; it could be to buy a new car, for home improvements or even to help finance your big day.

Borrowing from Scotwest is simple and straightforward. There are no fees and the rates are competitive. If you are not already a member and would like to apply for a loan, you can apply for membership at the same time.

Interest on all Scotwest loans is calculated daily and the rate advertised for the loan is the rate you will get, no matter your individual circumstances.

Every application for a loan will be carefully considered; all loan decisions are based on your income and expenditure and ability to repay.

Helpful lending options

Loan Protection

Loan Protection is a free safeguard offered by Scotwest Credit Union as a benefit automatically to its members. Your family can be secure in the knowledge that your Scotwest Credit Union debt* (up to an aggregate maximum value of £15,000) can be cleared, giving them peace of mind at a difficult and uncertain time.

Loan Protection is designed to help support you and your family by providing them with financial security ensuring that, when your family most need it, your debt* is paid off.

The terms of this member benefit may change from time to time. The applicable rates / amounts covered are those prevalent at the date of death.

* Scotwest Loans Protection is provided on all unsecured loans. All other loans, excluding mortgages, are covered up to the age of 79.

Please note: You do not have an insurance policy.