Home Improvement Loan

Our 5 most popular reasons for borrowing are now all available as stand alone loan products.

Many of our members who borrow with us have been happy to refinance thier loans to keep a single payment, but what if you prefer to keep things separate and pay your loans over different repayment times - well now you can.

Loan calculator

Whether your looking to give the house a quick facelift or build that granny flat so you can see more of the mother in law, a Home Improvement loan from Scottish Police Credit Union can help you create that home sweet home.

Features & Benefits

  • includes furniture and furnishings
  • available to all members after 1st regular deposit
  • borrow any amount up to £25,000
  • repay between 6 and 60 months for loans less than £10,000
  • repay between 6 and 120 months for loans £10,000 - £25,000
  • can be refinanced for further Home Improvements up to the limit of £25,000
  • free loan protection insurance (T & C's Apply)
  • free payment waiver protection insurance (T & C's Apply)
  • no set up fees or early repaymemt penalties
  • guaranteed loan interest rates not representative rates (click here for up to date rates)
  • can be paid to you or a third party

Please note that savings held in your membership account are secured against your total outstanding loan balances and access to them is restricted while your total loan balance is higher than your savings. This helps mitigate any potential losses should you find yourself unable to make your loan repayments and protects the wider membership.


SPCU Social

Have you checked out our social media accounts @ScotsPoliceCU - just click the icons below. It's a great way to keep up to date with what's going on at YOUR Credit Union.


Saving with your Credit Union is very easy as most of our members can make payments through salary deduction. For those who cannot, payments can be made by direct debit.

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Member Services

Loan Protection, Life Savings Cover and our innovative Payment Waiver Scheme are just some of the ways "We've got your back"

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