Take our Two Minute Challenge!

Just enter the details of your existing debts into our calculator and see how much you could save with our award-winning consolidation loan.
Loans are exclusive to members, who must save at least £10 per month together with their loan repayment.

Debt Consolidation Calculator

Type of Debt

Balance Outstanding

Monthly Repayment


£ £

Total Existing Debt


Current Monthly Repayment


I'd Like to clear my debt in


Benefits of our consolidation loan

  • Lending decisions are based on your individual needs and are made by a person, not a computer
  • Quick and easy online application
  • Text updates throughout each stage of your application
  • Clear interest rates which are guaranteed not to change after application
  • We help you grow your savings alongside your loan repayments
  • Decisions usually within 24 hours
  • FREE loan protection insurance*

*In the event of your death, your loan will be paid off in full. Restrictions apply.

Visit our Personal Loans page if you’re interested in a personal loan rather than a debt consolidation loan.


  • A consolidation loan isn’t for everyone. It may mean repaying the debt over a longer period. As a responsible lender, we encourage members choosing to consolidate their debts to close the accounts with existing lenders, to avoid building up the debt again.
  • It’s free to become a member and if you’re not already a member we’ll ask you to join at the start of your loan application. All we ask is that you deposit £10 in savings once your loan has been approved.
  • All loans are subject to status and meeting our lending criteria. Calls may be recorded for quality assurance and training purposes.
  • Glasgow Credit Union do not offer advice on debt consolidation loans. Free independent advice on consolidating debts can be found through the Money Advice Service: https://www.moneyadviceservice.org.uk/en/articles/debt-consolidation-loans
  • Terms and conditions apply
  • View our loan rates