Welcome to CUOK

Our small loans of between £100-£400 are simple, fair and affordable, helping you spread the cost of short-term borrowing over 1-3 months.

At just 42.6% APR, our interest rates are so much lower than the expensive payday lenders and other high cost alternatives that typically charge 1,509% APR. Apply online now and get your decision in minutes. You can then choose our same day payments service to get the money transferred into your bank account quickly.


Price comparison

We could save you over £100 in interest over 3 months!*

A loan of £400 from CUOK payable over 3 months will cost you just £24.23 in interest at 42.6% APR

"Sunny" will cost you £173.23

"Wonga" will cost you £124.49

Apply now
*Information correct as at 1st April 2018

Breathing space

You can repay your loan over up to 3 months. You control how much you borrow and over how many months. Start benefiting today. We'll CUOK.


London Mutual Credit Union

CUOK Pay day loans are available from London Mutual Credit Union (LMCU) exclusively for people who live or work in Southwark, Lambeth, Westminster, Camden or a Serving member of the British Armed Forces.

Our members benefit from significantly lower interest rates than are available from other short term loan providers. A payday loan from LMCU can help see you through until your next payday and won't weigh you down with sky high interest rates.


Get on top of your finances

We also offer long term loans from £5000 to £7499 at 6.9% APR*

Benefit from

  • No hidden costs
  • With no arrangement fees
  • No early repayment fees
  • Credit Union membership
Find out more now
*subject to status and Loan Policy