Personal Loans

Personal Loans in Stockton

Personal loans can help you financially when you need it most. At Tees Credit Union, we provide transparent and honest loans with generous repayment terms to ensure you get the help you need without the challenges associated with borrowing from other lenders.

What is a personal loan?

A personal loan is a loan that is not secured against assets such as your home. Instead, a personal loan is money borrowed that is subject to fixed monthly payments or instalments with transparent rates. At Tees Credit Union you will find our range of personal loan products generous and comprehensive for all situations.

How much personal loan can I get?

The personal loans we offer depend on your circumstances and whether you’ve borrowed from us before. If this is your first personal loan, we offer a starter loan package that makes it easy to begin borrowing. We also offer flexible loans and loyalty loans of up to £15,000.

Starter personal loans in Stockton

For those new to Tees Credit Union, we offer loans through Moneywise that allow you to kickstart your account with a generous first personal loan:

  • If you’re employed, you’re eligible to apply for up to £2000 repayable within 2 years.
  • If you’re not employed, you can apply for up to £500.

All of our loans are subject to the ability to meet repayment crietria. You must be able to demonstrate that you’ve committed to paying your debts elsewhere. However, this does not mean we ignore applicants who have CCJ’s – but we will expect you to be regularly repaying them.

All of our personal loans in Stockton are offered subject to status and credit scoring will be applied as part of our application.

The APR on our Starter Loans is 42.6%. (3% per month)

Flexi loans in Stockton

After your first personal loan with us, or your ‘Starter loan’, you will be able to apply for a higher amount on your next loan. You will also be able to repay over a longer period of time. How much you can actually borrow depends heavily on your circumstances and how much you have saved.

  • All personal loans are made subject to status and we will apply credit scoring as part of your application.
  • The APR on our Flexible Loans is 26.8%. (2% per month)
  • Amounts under £1000 are charged at 3% a month.

Personal Loyalty loans Stockton

For those who have stayed with us for 12 months or more we offer a unique loyalty loan scheme. You can borrow up to £3,000 and enjoy a cheaper interest rate. We apply a variable rate based on your ability to repay, how you repay, and your credit score.

  • All loans are made subject to status and we will apply credit scoring as part of your application.
  • The APR on our level one loyalty loans ranges from 12% – 25%. (1% – 2% per month)
  • Amounts under £1000 are charged at 3% a month.

We have recently introduced two new levels to our loyalty loans where members who have been with us for over two years and have an excellent record could apply for up to £5,000. Members with more than 3 years loyalty to the credit union could apply for loans between £5,000 and £15,000 and we will even consider price matching any written quotation.


Wondering where to get a personal loan in Stockton? Tees Credit Union have been providing transparent loans to customers for years, providing trust and peace of mind in often difficult circumstances. To secure your first personal loan and apply now, simply follow this link.

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Membership is open to all who live and work in the Tyne and Wear, County Durham, Teesside or Northumberland region.

Joining Moneywise is free and all we ask is you save regularly to support our funds for lending. We only lend to members so you can be confident your savings are being used to support like-minded individuals.

Tees Credit Union Ltd

Tees Credit Union and Moneywise Credit Union Ltd merged into one business in September 2017. Moneywise is the regulated name and Tees Credit Union is a trading name of the merged organisation.

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