Borrow confidently with low-interest loans that fit your needs. You’ll build savings as you borrow — helping you manage today and plan for tomorrow. Whether you’re handling an unexpected expense, consolidating debts, or planning ahead, our affordable rates help you stay in control of your payments.
Join our
money-positive 
community
Fair, people-focused savings and loans designed to help you feel money-positive.
Loans that work for you
Savings that grow with you
Start building your future today with flexible savings accounts to help your money grow. Whether you’re saving for a goal or just for peace of mind, our savings options give you the freedom to reach your goals and feel confident about tomorrow.
Who is The Money Co-op?
Join a community where your money works for you, not for profit. The Money Co-op has savings accounts that help your money grow and low-interest loans that keep borrowing affordable.
You’ll get fair, flexible options designed to meet your needs. And joining means more than just better financial products. It’s about being part of a community that supports you, making managing your money easier and more rewarding.
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Membership that benefits you
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Fair finance: access affordable loans with capped rates to keep your credit costs low, and build savings as you repay -
Savings support: set your sights on the future as you build your savings
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Grow money confidence: Get tailored tools and guidance to help you manage your finances with ease
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Community impact: By joining, you contribute to a positive impact that benefits everyone
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Free for everyone: It’s alway free to join with no hidden fees or charges
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Can I join?
YES! anyone who wants to be part of our community can join.
Fast-track membership: Do you work in retail, a co-op, a charity or a housing association, or are you co-op member? You automatically qualify to join.
If not, don’t worry — we can help get you set up as part of the joining process.
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Join today
Joining The Money Co-op is free, quick and easy — and you can apply for a loan at the same time, if you need one.
Membership means saving at least £10 a month with us. And if you borrow, you’ll still build savings you can access when your loan is repaid.
As a member, you’ll benefit from low-cost loans, flexible savings, and ongoing support to help you manage your money with confidence.
Testimonials
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“You guys are absolutely amazing! I seriously cannot fault any aspect of the service given.”
Karen
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“Great knowing the money I save is with an organisation that is there to help everyone, rather than just focused on profits.”
Mark
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“Outstanding service. Easy from the start to finish, no complications. I highly recommend.”
Angela
Your money, wherever you are
With The Money Co-op app, managing your money has never been easier. From checking your balance to applying for loans or making withdrawals, everything you need is at your fingertips.
If apps aren’t for you, you can use our online portal to do everything you need.
Community hub
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Say hello on our socials for your chance to win £5...
We’ve just launched our socials with our new name – The Money Co-op and would love you…
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We’re recruiting: Chief Executive Officer
Chief Executive Officer, The Money Co-opSalary: £60k-£70k The Money Co-op (formerly The Co-op Credit Union) serves members working…
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Money positivity and mental wellbeing
A healthy bank balance means more security and freedom to enjoy life. When money is tight, it…
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How to feel Money Positive
How to feel money positive At The Money Co-op, we do good things with your money and…