Join our Money Positive Community
Why join The Money Co-op?
Joining The Money Co-op means becoming part of a community where your financial wellbeing comes first. Whether you’re saving for the future or need a low-cost loan, we’re here to help you manage your money with confidence. As a member, you’ll benefit from fair, flexible finance options designed to fit your life. With our support, you’ll be in control of your money while contributing to a community that cares.
Member benefits
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Fair finance: Access affordable loans with capped rates and build savings as you repay.
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Savings support: Start building your savings with just £5 a month. Earn annual dividend, or interest payments on savings.
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Grow money confidence: Receive tailored guidance and tools to help you manage your finances.
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Community impact: Contribute to a community that supports and benefits its members.
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Free membership: Join for free, with no hidden fees or charges.
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Don’t have time right now? We’ll send you some info later.
No pressure, no spam – just the good stuff!
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Free membership. Always.
Membership of The Money Co-op is free with no hidden fees or charges and comes with a range of benefits.
Join now and start saving with us from just £5 a month. Want a loan too? You can apply to Join & Borrow at the same time.
Testimonials
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“Very satisfied and really glad I joined. It’s helped me a few times.”
Chris
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“I cannot stress enough how happy I am to be a member. The staff are amazing, so helpful!”
Ella
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“Love being a member! It’s the first time I’ve been consistently able to save.”
Farah
FAQ
You can join online by completing our online membership application. Membership is free, and you can start saving with as little as £5 per month.
You will need to join the credit union first, then once your membership is completed, you can apply for a loan.
Take a look at our loan products to find the option that best suits your needs.
You can join The Money Co-op 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
Not sure if you qualify? You can still apply here, and we’ll help guide you through the joining process.
As a member of The Money Co-op, you’ll have access to affordable loans, flexible savings accounts and a range of tools and support to help you manage your money.
Members may also receive annual dividend payments on eligible savings balances, as well as being part of a community-focused organisation that puts people before profit.