Budget Planner

Calculate Affordability

You can calculate how much money you can afford to repay each month by our Budget Planner Spreadsheet and then go to our Loan Calculator to work out how much a suitable loan would cost. Please note that our loan calculator is a guide only and for an more accurate quote you should contact our office and speak to a member of staff.

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What is a Credit Union?


Blues & Twos credit union is a “not for profit” financial co-operative, owned entirely by its members and run by a trained professional team. Setting the policies, compliance and strategic governance is the Board of Directors who draw experience from a variety of business / public sector backgrounds. The team offer you ethical savings & affordable loans. “Save as you Borrow”

Latest News

  • Christmas only 12 weeks away.

    Dull night’s doesn’t mean dull lives with a Blues and Twos’s loan this winter. Why not apply for a speediloan (upto £3’500 – decision within 24 hours) by visiting our website http://www.bluesandtwos.org.uk/loan/loans/

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  • Engage Prepaid Card – See how much Cashback you could receive when use for Christmas Shopping!

    Paid monthly? Just 2 more pay days till Christmas? Apply for an Engage Prepaid Card & make sure you can make the most of your Christmas Shopping by receiving cashback on some of your shopping. Once you receive your card we will load funds directly from your Blues and Twos account on the same day […]

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  • Early Office closure – Friday 29 September

    The Blues & Twos Office will close at 1pm on Friday 29 September for Year End Accounting. We apologise for any inconvenience caused. Providing you are registered for online access you can “Sign into the Member Secure Area” at any time day or night.  Please continue to submit your share withdrawal requests and loan applications […]

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  • New £10 released 14 September 2017

    The Bank of England issued the new £10 note on Thursday 14 September – Have you seen one yet? The note features the renowned novelist Jane Austen and is the first UK banknote with a tactile feature to support blind and partially sighted users. Just over one billion polymer £10 notes have been printed ready […]

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  • 4% APR Fixed on loans £7500-£15000

    We offer 4% APR fixed on loans from £7500-£15000.  Unlike some lenders “The rate you see is the rate you get”.   We won’t ask you to start an online application and then change the rate whilst your filling in your details.   We don’t charge an arrangement fee, We don’t charge you a penalty to […]

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  • Bring the good things to life…

    With a little help from us, your Kitchen, holiday or car dream can be a reality.  With loans now up to £25,000 we aim to help as many members as we can to bring their dreams to reality by keeping the monthly repayment within your budget.  With a Blues & Twos loan you decide the […]

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  • Summer 2017

    How far will your money go?

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  • Getting to grips…

    Let us help you get a grip of your finances…. www.Bluesandtwos.org.uk

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  • Have you joined Blues and Twos?

    Save regularly with your Credit Union – £50 a month ( simple maths ) and you’ll have £250 by December or a possible £600 by next summer.

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  • Do you know we offer Corporate Accounts?

    Are you part of an organization that would benefit from a Blues & Twos account? With Instant Access Interest rates nationally at an all-time low you could introduce the convenience of Blues & Twos.  Over 7,000 of our members cannot be wrong and all funds deposited which will be subject to an Annual Dividend return […]

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  • Save and Borrow

    My mini is £300, my max £25,000. I can be 1 or 60 and i’m covered with free life cover. Yes i’m a Credit Union loan. Save and borrow today…Rates from 4% APR.

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  • New Website log-ins

    Not registered for your PIN on this new site?  Click here to register today with your new 4-digit pin 

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  • Something for Unison members…

    Members of Unison working in Lancashire & Cumbria can now join.  https://www.unison.org.uk/…/credit-u…/directory/north-west/ Are you eligible?http://www.bluesandtwos.org.uk/membership/memberships/

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  • It’s what we’re all about…..

    We are proud to see our objectives really helping our members.  The promotion of thrift helping members save regularly, the training & education in the wise use of money comes with a good savings plan and if you need to borrow we encourage you to save at the same time.  Approving loans to the value […]

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  • Car Finance-Personal Loan or PCP?

      PCP example Blues & Twos Loan Car – Advertised Price £20,000 £20,000 Deposit (usually old car) £5,001 £5,001 Monthly Payment (inc int) Dealership will help you decide £337.93 (4% APR Fixed-TTL Interest £1221.40) Term of Agreement 48 months 48 months Final Payment Dependant on monthly payments No balloon payment TOTAL COST How much will […]

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  • Savings & Loan cover is changing

    Are you aware your savings are covered up to £3000? These are matched in the event of your death and paid to your nominated person. We will also pay 100% of any difference between your loan and savings so that no one dies with a debt. To qualify; At time of death a member must have […]

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  • Increase in borrowing reported

    Already reporting an increase in lending, our members borrowed a combined total of just short of £690,000 in the last quarter of 2016. With our APR rate on new loans even less than ever before we hope to help more members during 2017. A B&T loan helps you avoid much higher credit card charges helping […]

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  • Lowest ever lending rate already popular

    Launched as part of the New Year celebrations & start of our 25th anniversary year, our best ever fixed lending rate of 4% APR available on NEW loans £7500 – £14999. With Blues & Twos rates more competitive than ever, members are asked to consider Blues & Twos and check out our rates for all […]

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  • Busiest day recorded

    Busiest day recorded by our Member Services Team.  Monday 19 December and the last day for BACS transfers saw over £105,000 transferred to members for their last minute Christmas shopping.

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  • Extended Opening at Preston Office

    Due to popular demand we extended the opening hours of our Preston Office at County Hall, to three days (12noon-2pm).  The office near the Pitt Street is popular with members working in County Hall and local areas.  Here you can discuss with a member of our team, in private, your borrowing and savings needs.  We are […]

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  • Leaving your employment does not mean leaving us

    Here at Blues & Twos our professional friendly staff will help you organise your transition from employment to pension or otherwise.  All our members are valued highly and just by contacting [email protected] or 01772618833  we will ensure continuous contributions into your account and don’t forget up to the age of 65 yrs we continue to cover you with FREE […]

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  • We serve more than 7200 members

    Across Lancashire & Cumbria we serve you and more than 7200 of your colleagues employed in the emergency services, for local and county councils, in schools, colleges & universities.  We also look after over 200 juniors savers.  Our members have collectively more than £11 million saved with over £5.8million out on loan.  On average we […]

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  • Blues & Twos August Prize Draw – The Winners

    Blues & Twos Society are pleased to announce their Prize Draw Winners for August – Click here to view

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  • Best wishes from your Credit Union

    As we thank our members for their support this year we would like to wish everyone a Merry Christmas and a happy healthy 2017.  The credit union office will be closed from 4pm on Friday 23 December until Thursday 29th opening from 10am-4pm, and open Friday 30th 9am-3pm and open on Tuesday 3 January from 10am.

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  • Speediloan Success

    Most popular loan product at the half year point is most definitely the Speediloan. It’s quick and easy online application is all that’s required and avoids the member having to dig out and submit numerous documents. A decision is reach where possible within 24 hours and funds transferred by BACS straight into your bank account. […]

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Authorised by the Financial Conduct Authority and regulated by the Prudential Regulation Authority and the Financial Conduct Authority Reg No 213538

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