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Loans and savings
with you
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Fair, people-focused savings and loans designed to help you feel money-positive.

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Loans that work for you

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.

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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 make it easy to reach your goals and feel confident about tomorrow.

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Loan Calculator

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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

    • Black circle with a black tick inside
      Fair finance: access affordable loans with capped rates to keep your credit costs low, and build savings as you repay 
    • Black circle with a black tick inside
      Savings support: set your sights on the future as you build your savings 
    • Black circle with a black tick inside
      
Grow money confidence: Get tailored tools and guidance to help you manage your finances with ease 
    • Black circle with a black tick inside
      Community impact: By joining, you contribute to a positive impact that benefits everyone 
    • Black circle with a black tick inside
      Free for everyone: It’s alway free to join with no hidden fees or charges

  • Can I join?

    YES! anyone who wants to be part of our community can join. 

    You can join straight away if you:

    • work for one of our payroll partners
    • work in retail, co-operatives, charities, NHS, health and social care, housing, education or local government
    • are a co-op member
    • are a member of Usdaw, or other partner organisations

    If not, don’t worry, we can help get you set up as part of the joining process.

    Find out more and join today

  • 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 £5 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.

    Join now

Testimonials

  • “You guys are absolutely amazing! I seriously cannot fault any aspect of the service given.”

    Karen

  • “Great knowing the money I save is with an organisation that is there to help everyone, rather than just focused on profits.”

    Mark

  • “Outstanding service. Easy from the start to finish, no complications. I highly recommend.”

    Angela

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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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