Clockwise Credit Union Reviews 

980
•
TrustScore 4.5 out of 5

4.7

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Review summary

Created with AI, based on recent reviews

Evaluating 325 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently mention that the staff members are exceptionally polite, supportive, and always ready to help individuals throughout the entire financial journey. People also deeply appreciate the simple application steps, clear guidance provided, and the remarkably fast response times when requesting loans. Some reviewers were not happy with the application process, mentioning that it took entirely too long to review documents or get account activations properly sorted. A few consumers also reported having to resubmit identity proof multiple times before experiencing frustrating loan rejections and sluggish communication from support.

What people talk about most

Service

Consumers find service to be positive, highlighting fast loan approvals, quick funding, and a smooth process.... See more

Staff

Customers consistently note positive experiences with staff, frequently describing the team as extremely... See more

User experience

People report positive experiences with user experience, highlighting the application process as simple,... See more

Customer service

Users describe positive interactions with customer service, highlighting that phone advisors are very... See more

Response time

Reviewers highlight positive aspects of response time, frequently praising swift replies and fast resolutions... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Brilliant customer service from Clockwise Credit Union. So helpful and easy to deal with. Even with bad credit, they look at more than just your score. If your Child Benefit goes into your Clockwise a... See more

Rated 5 out of 5 stars

First time ever using Clockwise and I cant fault them. I had an emergency medical issue which meant that I was met with an additional expenditure that i wasn't expecting. This loan from Clockwise h... See more

Rated 5 out of 5 stars

It was my first time using any credit union. I didnt have photo ID, so the selfie picture is a great idea. From first starting the loan process to actually getting the loan in my bank was 2 weeks n th... See more

Rated 5 out of 5 stars

As always my experience with clockwise is excellent. Careful decision is made as quickly as possible . There is always some to talk to someone to help you in the process. From the day I stated saving... See more


Company details

  1. Credit union
  2. also in
  3. Alternative Financial Services
  4. Financial Institution
  5. Loan agency

About Clockwise Credit Union

Written by the company

loans We are a fair, responsible and people focused credit union, providing a range of financial products and services to the local communities of Leicester, Leicestershire, Rutland, Nottingham, Nottinghamshire, Coventry and Warwickshire.

Credit unions can consider all loan applications from people in our communities, regardless of background, including those who are in receipt of benefits. A credit Union is also a not-for-profit organisation, our focus is on improving the financial well-being of our members and helping the local community.

How we can help

Loans

loans We offer loans from £50 up to £15,000 and with fast decisions online, no hidden fees or penalties and we consider all applicants, regardless of circumstances.

Savings

loans Our flexible, easy access savings accounts offer great value for everyone! Whatever you are saving for, saving regularly helps you to manage your money better.

Why we are different

What sets us apart from mainstream banking institutions is that we are a not for profit co-operative organisation. This means that money that members make and save from being a member stays in the local community. By coming together as a co-operative it gives all members access to low cost loans, as little as 8.7% APR.

As an ethical lender we assess each loan application on individual circumstances thereby enabling us to consider everyone, irrespective of their credit status or personal circumstances.

When you join Clockwise you benefit from becoming a shareholder; and all cash surplus generated is divided between our members as interest on savings & rewards for good borrowers.

Members are central to everything we do and are the heart of our strategy.

Written by the company

Vision
We want to be the first and best choice when it comes to helping people with their money. Whether you’re already a member or someone who wants to join us in the future, we aim to be the best choice for providing financial services. We’ll work hard to earn your trust and show you that we can take care of your needs and help you achieve your financial goals
Mission
Our Credit Union’s mission is to be responsible and caring, not just focused on making money. We want to show something special called the “credit union difference.” This means we will be fair, honest, and creative in how we offer financial products and services to our members. We value our members’ opinions and want to work together as a team. Our goal is to build strong relationships with our members and the community. Because we are owned by our members, we consider their needs first: this helps us stand out against banks and other financial organisations. By being strong financially, we can offer reliable and affordable options to our members. This will help them and the community as a whole to be financially better off. Our main focus is on people, not just profits.

Your circumstances considered

Fair and affordable credit

Fair and affordable credit
We consider all circumstances. We’ll aim to give you an instant decision or we’ll let you know within 1 working day and put the money into your account the same day! Repay weekly, fortnightly or monthly by debit card, standing order or from your benefits. No fee if you need to change.

Contact info

4.7

Excellent

TrustScore 4.5 out of 5

980 reviews

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Asks customers to review

This company invites their customers to review, whether positive or negative

Replied to 36% of negative reviews

Typically replies within 1 week

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

4.7

All reviews

(980)

294 reviews in the last 12 months

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Rated 5 out of 5 stars

I found myself in a emotional situation…

I found myself in a emotional situation as my ten year old dog had become really ill and needed euthanasia,which I couldn’t afford.I contacted Clockwise Credit union and even tho it wasn’t time to top up I was treated with compassion and humanity understanding my situation ,they sorted the amount I needed for the euthanasia within hours ,this saved my girl from unnecessary suffering ,I will be eternally grateful to clockwise for their prompt ,professional attitude and there most compassionate support..! Thank you Clockwise.!

1 October 2026
Unprompted review
Rated 5 out of 5 stars

Great experience

Clockwise have always been very helpful, friendly & understanding. Also the app is always very easy to use and loans are straight forward process.

22 September 2026
Rated 5 out of 5 stars

Nice one clockwise

Very polite staff when I went into the shop to sort out my loan , did everything I needed and my loan was in my account with in the hour

18 September 2026
Rated 5 out of 5 stars

Love Clockwise!

I love that Clockwise is in our community. Its highly valued and trusted amongst the locals in our very diverse community. I have recommend them to many and have also been recommended by friends. I started my journey with them in 2012 and am grateful for their part in my life. Love all the staff, they get the job done! From help with savings to borrowing, their customer service is brilliant .

15 September 2026

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