Credit union overdrafts

A flexible and straightforward overdraft for the times when you need it.


In uncertain times, it can be reassuring to know you have a bit of extra financial headroom available for unexpected expenses or emergencies.

If you regularly have more than £250 per month paid in to your credit union current account, you may be eligible for an overdraft. You can request one using the form below, with no risk to your credit score if you are not accepted.

Once we’ve received your request, we will be in touch to offer you an overdraft limit. The amount we can offer you will be based on your average monthly income and any existing financial committments to ensure that it’s affordable to you.

Representative example: £200 at 42.6% APR

Request an overdraft

  • Please enter your membership number if you know it.

Pre-agreed limit that's there when you need it


Only pay interest when you use it


A personalised limit based on your income


A simple rate of APR with no hidden fees


No impact on your credit score if you are unsuccessful