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Passionate about helping you SAVE, there when you need to BORROW • Proud to be helping over 8800 members with good financial well-being direct from their pay / pension • Join the Blues and Twos family today • Opening new accounts promptly for those in need of a little extra help right now during the Covid-19 situation

Select Your Loan

NEW – CONSOLIDATE AND SAVE LOAN

Consolidate high cost credit, loans, cards and your overdraft with a Consolidate and Save loan.  Borrow up to £10,000 over 4 years.  With regular saving running alongside your loan you could repay your loan early reducing the total interest payable.  Use the above calculator to check the monthly repayment.  APR is dependent on the amount  applied for.

Affordable Loans

The Blues and Twos Credit Union are passionate about helping members to save and there when you need to borrow.  Whilst saving you can apply for a credit union loan.  We call it “Save as you Borrow”.  We offer loans for many reasons including home improvements, holidays, cars and to support members with everyday expenses such as unexpected bills, car repairs or medical issues. We have a selection of credit union loan product to choose from based on your requirements. We offer fair and competitive fixed rates and there are no hidden charges.

The credit union loan calculator is there to give you a flexible indication as to the cost of borrowing different amounts of money over varying repayment periods.  Blues and Twos is a good way to build your credit confidence and can contribute towards future lifestyle changes, such as applying for a mortgage on a house. When taking one of our loans you are also asked to save at least £10 every month, helping you to retain a monthly ‘maybe’ in your savings account.  You could save enough to repay your loan early.

Please note: We solely lend to members of Blues and Twos Credit Union.  We treat all members individually and all applications fairly.  A Policy for Lending is followed for all application decisions.

Additional Borrowing

Additional Borrowing
If you already have a Blues & Twos loan, apply here!
The credit union loan calculator in the 'Members Area' can help and will include your current loan.
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£300 - £5000

Speediloans

Looking for up to £5000? Apply for a quick & easy Speediloan.

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£5001 - £25000

£5001 – £25000 (8.9%)

Pay back between 1 – 60 Months.

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£10000 - £15000

£10000 – £15000 (4.9%)

Pay back between 1 – 60 Months.
ONLY 4.9% APR – New Loans only

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NEW – CONSOLIDATE AND SAVE LOAN

Consolidate high cost credit, loans, cards and your overdraft with a Consolidate and Save loan.  Borrow up to £10,000 over 4 years.  With regular saving running alongside your loan you could repay your loan early reducing the total interest payable.  Use the above calculator to check the monthly repayment.  APR is dependent on the amount  applied for.

Affordable Loans

The Blues and Twos Credit Union are passionate about helping members to save and there when you need to borrow.  Whilst saving you can apply for a credit union loan.  We call it “Save as you Borrow”.  We offer loans for many reasons including home improvements, holidays, cars and to support members with everyday expenses such as unexpected bills, car repairs or medical issues. We have a selection of credit union loan product to choose from based on your requirements. We offer fair and competitive fixed rates and there are no hidden charges.

The credit union loan calculator is there to give you a flexible indication as to the cost of borrowing different amounts of money over varying repayment periods.  Blues and Twos is a good way to build your credit confidence and can contribute towards future lifestyle changes, such as applying for a mortgage on a house. When taking one of our loans you are also asked to save at least £10 every month, helping you to retain a monthly ‘maybe’ in your savings account.  You could save enough to repay your loan early.

Please note: We solely lend to members of Blues and Twos Credit Union.  We treat all members individually and all applications fairly.  A Policy for Lending is followed for all application decisions.

Terms & Conditions of Loan Agreement

Click here to download our fixed rate loan terms and conditions.

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Useful Links

Play our lottery!

Credit Union Loans and 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.

Free life cover on your savings up to the age of 75, at no extra cost.

We help over 8800 members to manage their finances, we encourage you to join today and start enjoying the benefits.

With a non-profitable credit union, we put the focus on ensuring that you are always provided with the best service, rather than maximising profits. This way, the credit union is run with the end goal of rewarding the members. Join Blues and Twos today!

Latest News

  • Happy & Healthy New Year from all at Blues and Twos

    You are wished a happy, healthy New Year from all at the Blues and Twos.  Now that Christmas is behind us your team are planning ahead for a January busy with new memberships and assisting with your revised savings plan for 2022.  This is always a busy time with members requesting to  increase their savings […]

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  • AGM thank you from your Chair

    As Storm Barra looked set to hit the North West of England the Board of Directors knew their decision taken in September for a first every Hybrid AGM was a wise move.  This first ever hybrid AGM for Blues and Twos was welcomed by members on Wednesday 8 December.  Attending online or in-person, members listened […]

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  • BLUES & TWOS SOCIETY BUMPER LOTTERY DRAW – DECEMBER WINNERS

    The Winners of the December Blues and Twos Society Lottery draw are now available to view.  “You have to be in it – to Win it!” The next bi-annual Bumper Draw is due to be drawn in July 2022 with an additional prize of £1,000 up for grabs.  If you would like to join, or increase […]

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  • 15,000 member accounts milestone reached…

    Congratulations to our 15,000 member welcomed to the Blues and Twos Credit Union in June.  Abby said “I’d been aware of Blues and Twos since I joined Lancs in 2019 as a number of colleagues had saving accounts and recommended them but I just never got round to signing up.  When I changed job roles, […]

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  • NEW Secure messaging increasingly popular with members…

    Just over 2760 Blues and Twos members are now using NIVO, the secure messaging option introduced at the start of the Covid19 pandemic.  By simply registering for NIVO using the “Chat with us” button on our homepage you can register for easy contact with the credit union 24/7.  Leaving a message out-of-office hours is proving […]

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  • Joining the credit union before you retire….

    Meeting with pre-retirement delegates at last weeks Police pre-retirement event held at Lancashire Police Headquarters, Hutton Lisa from the Blues and Twos team said it was lovely to see so many familiar faces, many of which were already members of the credit union.  “A great opportunity for them and us, to give details on the […]

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  • Chief Constable visits Lancashire Police Credit Union

    Our CEO, Vicky Harrison, welcomed the recently appointed Chief Constable, Chris Rowley, to our offices this week to meet with the Blues and Twos team and witness first hand the commitment and role we play in helping our members with their finances throughout their career & retirement.  Leading on well-being, Mr Rowley was keen to […]

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  • Faster loan applications with Open Banking

    Our new open banking option gives you the loan applicant, faster access to your bank account statement data to support your loan application.  Same day decisions and funds now possible for loan applications from £300-£25,000 received before 2pm Monday to Friday.  Register to ‘Chat with us on NIVO’ and we will send you the open […]

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  • The (quick fix) IVA – The Truth you Need to Know

    Blues & Twos recently received paperwork from an Individual Voluntary Arrangement (IVA) company.  Our member owed a maximum of £5,900 across three creditors (3 loans/credit cards).  The IVA company wanted to charge our member £3,750 in fees (63.5% of the members total debt) and this was just to set up the arrangement. This fee, added […]

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  • Your Health and Well-Being

    We are proud to be mentioned in the Lancashire County Councils guidance on where to find help if you are worried about your finances: Worried about money? If you or a member of your family are worried about reduced income as a result of the Corona virus this information will be useful to you. 1. […]

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  • Glad you have your Blues and Twos emergency fund to fall back on?

    We are all in this together… Many of us have never experienced such times as these and we hope never to have to experience them again. We hope members are managing to stay safe. This includes looking after your physical and mental health. Your well-being can be affected in different ways. Financial worries are just […]

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  • Are you financially Savvy?

    “For some people it just means a little more effort.  Some believe they are, some believe they can never be –  Controlling your finances isn’t easy but once you start you will be more positive” says Victoria Harrison, CEO, Blues and Twos Credit Union .  Saving a little each month on payday, being confident towards […]

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  • Money Lessons Everyone Should Learn

    Talk Money week kicked off Monday 18th November and is running all week, and aims to get the UK talking about financial wellbeing. Blues and Twos are getting involved in the drive to promote and improve financial wellbeing. We have created a small list to help you with your finances, and money lessons that we […]

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  • Passing of Blues and Twos former Supervisory Committee Chair

    It is with great sadness we inform you on the passing of John (Jack) Ward on Thursday October 24th, aged 81 years. Jack joined Preston Borough Police in 1963 and worked his way up to Head of Scenes of Crime and Federation Chair before retiring in the mid-1990’s as a Detective Inspector.  Jack volunteered his […]

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  • Your Health and Well being

    This September take time to talk, think and change… RELAX and let Blues and Twos help you with regular saving and ethical borrowing. Enjoy the range of benefits when you join today, like: Instant access to your savings FREE life cover on your savings (T&Cs apply) Flexible/Affordable low cost loans £10 when you recommend your […]

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  • Workplace Well-being with Blues & Twos help…

    Find out what Blues and Twos can do to help your organisation, your team meet their Well-being goal… Supporting your Employees  

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  • Helping Members with Holiday Payments

    Our lending team are working hard to approve members holiday loans as quickly as possible, funds are paid directly into your bank account THE SAME DAY. No Administrative fees, no Penalty for repaying early click here to calculate your repayments now.

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  • Credit Unions play an important role in today’s UK economy…

    Relevant for the modern age…Watch this 3 minute clip highlighting the important role played by credit unions within the UK economy.  

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  • Fairbanking 5 Stars Award goes to Blues & Twos…

    The Fairbanking Mark was awarded by the Fairbanking Foundation following a rigorous assessment which includes independent research involving borrowing members of the credit union. To receive the Fairbanking Mark, this research had to confirm that members have changed their financial behaviour for the better by having the product.  Following the 5 stars Award, on behalf […]

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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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