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ABCUL is the leading trade association for credit unions in the UK. They represent around 70% of credit unions in the UK.


The Association of British Credit Unions Limited (ABCUL) is the main trade association for credit unions in Britain. It’s made up of a number of co-operatives, and actually runs as a co-operative itself, governed by volunteer directors.

Their vision is that credit unions will become the foremost source of ethical financial services for anyone living in Great Britain. So what is a credit union? Essentially, it’s a financial institution that is controlled by its members, operating on the principle of people helping each other to benefit the collective.

With ABCUL, you can borrow between £100 and £15,000. You can spread your repayments over 3 to 60 months, with the Representative APR starting from around 10.9%.

Last Updated: February 2023

Why Apply Through My Financial Broker?

  • Bad Credit Loans: If you have a poor credit score, you may have been turned down by more traditional lenders. But the lenders we work with don’t just look at your credit history when making a loan decision. Things like your employment status and your income and expenditure are also taken into account. When you apply with My Financial Broker, you can rest assured that all credit histories are considered.
  • High Chance of Approval: Making lots of loan applications in a short period of time can decrease your chances of approval. This is because each lender can undertake a hard credit check when you apply, and a lot of checks can lower your credit score. Using a broker, on the other hand, will mean you shouldn’t have more than one hard credit check, protecting your credit score and improving your chances of getting a loan.
  • Save Time: Rather than comparing each lender individually, let us do the hard work for you! We will use the details you provide to try and find the best direct lender for your situation and requirements.

Contact Details

Company Information

  • FCA Registration Number 418620
  • Company Registration Number 04283557
  • Trading Names ABCUL, Association Of British Credit Unions Ltd
ABCUL Holyoake House, Hannover Street, Manchester, M60 0AS