A credit union working for you not for profit

Your FinancialHappiness Starts Here

Save regularly, borrow only what you need, manage your finances better with Blues and Twos.

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Apply for a
B&T Loan Today

Fixed rates on loans from £300 to £25,000

Calculate and Apply Today

Start to
Save Today

Save monthly as little as £10 or as much as £500

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A credit union working for you not for profit

With over 10,000 MembersWe’re Growing Fast

£15 for you and £15 for them -Introduce a Friend before 31Aug26 to receive £15 each.  No limit to the number of introductions -use Promo Code ‘Summer15’

Get on board with Blues and Twos and benefit from the great membership loan and savings rates available & FREE Life Cover (T&C’s apply).

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Apply for a
B&T Loan Today

Fixed rates on loans from £300 to £25,000

Calculate and Apply Today

Start to
Save Today

Save monthly as little as £10 or as much as £500

Join Today

A credit union working for you not for profit

Introducing the Consolidate and Save Loan

Start to clear any high interest cards & your overdraft now. Maximum loan for Debt Consolidation – £15,000.

JOIN NOW

Apply for a
B&T Loan Today

Fixed rates on loans from £300 to £25,000

Calculate and Apply Today

Start to
Save Today

Save monthly as little as £10 or as much as £500

Join Today

A credit union working for you not for profit

A Payroll Loan could help you achieve your 2026 goal?

Our Payroll Loan is for members who make their regular contribution direct from their pay or pension, looking to borrow £5001-£25000.  Terms and conditions apply.

CALCULATE & APPLY TODAY

Apply for a
B&T Loan Today

Fixed rates on loans from £300 to £25,000

Calculate and Apply Today

Start to
Save Today

Save monthly as little as £10 or as much as £500

Join Today

A credit union working for you not for profit

Car Loans being approved every day…

Apply for up to £25,000*
A pre-approved car loan gives you peace of mind. Your loan is approved at a competitive rate before car shopping.

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CALCULATE & APPLY TODAY

Apply for your car loan today, get a decision and funds before the car hunt.  Approved loans valid for 28 days or your approved loan can be transferred to your bank and any surplus can be repaid back to the loan without penalty. During the first 6 months of membership maximum borrowing is £7,500 thereafter you can apply for up to £25,000.  Terms and Conditions apply.

Apply for a
B&T Loan Today

Fixed rates on loans from £300 to £25,000

Calculate and Apply Today

Start to
Save Today

Save monthly as little as £10 or as much as £500

Join Today

Have you download our Improved App

Download from the Apple App Store or Google Play Store today.

FIND OUT MORE 

 

Apply for a
B&T Loan Today

Fixed rates on loans from £300 to £25,000

Calculate and Apply Today

Start to
Save Today

Save monthly as little as £10 or as much as £500

Join Today

A credit union working for you not for profit

Secure Your Child’s Future with a Junior Saver Account!

 No minimum monthly save – Save an amount that suits you

Watch your child’s savings grow over time – We now accept Child Benefit into yours or a Juniors Account

Grandparents can now open a Junior Saver for grandchildren

Save up to £10,000 in the account

CLICK HERE TO FIND OUT MORE 

 

Apply for a
B&T Loan Today

Fixed rates on loans from £300 to £25,000

Calculate and Apply Today

Start to
Save Today

Save monthly as little as £10 or as much as £500

Join Today

Blues & Twos Credit Union

Here to help you Save, and there when you need to Borrow. Owned entirely by our members.

View Our Brochure

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About Us

For over 30 years Blues and Twos has been encouraging members to save regularly. With over 10,000 members and new members joining daily from our active encouragement for new members and new employer partners to join, being a part of this credit union in Preston.

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Can't See Your Employer?

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Memberships

Check you are eligible to join, then click on one of the two Membership Form options (online or download) and apply today. For details on the benefits of joining Blues and Twos Credit Union and the services we offer, please see our Membership Benefits page.

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Can't See Your Employer?

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Payroll Partnership Scheme

We encourage employers within our common bond across the North West to offer Payroll Deduction to help you SAVE MORE EASILY and regularly. This focus helps ‘Saving before Spending’ rather than wishing you had when its all gone!

Learn More…

Can't See Your Employer?

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Loan Application

Fill in our online loan application, a quick and easy way to apply for a Blues & Twos Credit Union Loan.

View Our Loan Calculator

Calculate and Apply Today

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Frequently Asked Questions

Here are some FAQ that may help you, if its not asked here? contact us at [email protected]

Go to FAQ

Can't See Your Employer?

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Play the B&T Lottery

The Blues & Twos Society is an independent organisation totally separate from the credit union.

Play Lottery

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Blues & Twos Credit Union

Our Team, are happy to help you at every step of the way whether you are applying for a loan or simply wanting to SAVE before spending.

Credit Union
Loans & Savings

Blues and Twos Credit Union is “Here to help you Save, and there when you need to Borrow”. Owned entirely by its members and managed by a trained and professional team.

The Blues & Twos team are passionate about improving the financial well-being of all members and offer you regular saving encouragement and affordable credit union loans, repayments direct from your pay or pension, which means that you save as you borrow.

Regular savings direct from salary that you can withdraw at anytime, no account fees, no annual charge, annual dividend payment. Affordable loans up to £25,000, with no early redemption fees or hidden costs, repayments directly from your wage.

Calculate and Apply Today Join Today

Blues & Twos Credit Union

Latest News and Events

Take a look at our latest news & events, find out about recents developments on new legislation for loans and savings interest rates.

Blues and Twos Attend Lancashire Constabulary Support Network Event

It's been a fantastic week for Blues And Twos Credit Union team! 👮‍♀️👮‍♂️ Earlier this week, we had the pleasure…

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Living Solo: The Hidden Financial Struggle Many Face

Living alone can bring independence, freedom and personal space — but for many people, it also brings financial pressure that…

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Blues and Twos Visit Multiple NWAS Locations

Over the last 6 weeks, our marketing team have been busy visiting NWAS Broughton, Estuary Point, Middlebrook, Salked Hall Carlisle…

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