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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.
Apply Now >

£300 - £5000

Speediloans

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

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£5001 - £25000

£5001 – £25000 (7.9%)

Pay back between 1 – 60 Months.

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£10000 - £15000

£10000 – £15000 (4%)

Pay back between 1 – 60 Months.
ONLY 4% 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

  • BLUES & TWOS SOCIETY LOTTERY – SEPTEMBER WINNERS

    The Winners of the September 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 December with an additional prize of £1,000 up for grabs.  If you would like to join, or increase your […]

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  • Blues & Twos £100 UK Hotel Voucher Prize Draw – Winner

    Congratulations to Steven, a Health Care Professional who was the winner of our Prize Draw.  Steven was thrilled to hear he had won: – “As a new member, I find Blues and Twos very useful as a saving account.  It feels much better than a basic bank savings account as I have much more control […]

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  • Loan Survey Winner

    Congratulations to Victoria McCann, of Lancashire County Council who is this quarters loan survey winner! Victoria completed one of our loan surveys and was entered into our quarterly draw for £25 credit into their account. Victoria confirmed she found our online loan calculator and application easy to understand and found the information provided on receipt […]

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  • Blues & Twos Society Bumper Lottery Winner

    Congratulations went this week to Gaynor Bretherton on winning the Blues and Twos Society £1000 Bumper July Prize Draw.  Gaynor said “What an incredible win £1000.  Thank you so much. I have been with the Blues and Twos Credit Union for many years and have not had so much as a sniff at the lottery, […]

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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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  • We are Open & We are Lending

    Visitors now being welcomed back to the Blues and Twos Credit Union office at Police HQ, Hutton, Preston.  Come and see our team Monday – Friday 10am-4pm, we are here to help with your saving and borrowing needs, account queries and much more.  We welcome you to call in but if you can’t all our […]

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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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  • “Introduce A Friend” Competition Winner

    Ken, an NHS employee from the Blackpool area is the lucky winner of our recent “Introduce a Friend” Competition winning a £50 credit to his Blues and Twos account’. Ken found out about Blues and Twos via his colleague. For more information on our Savings accounts, please visit our website. Already a member, introduce your […]

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  • Consolidate and Save loan

    Consolidate your high-interest cards / loans into one single Blues and Twos loan with affordable monthly repayments. A Blues and Twos Consolidate and Save loan will put all your credit in one place and we encourage you to save each month. Applying for a loan with Blues and Twos could mean that you are paying […]

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  • All well at our first online AGM

    Welcoming members to our first ever online AGM, Michael Beeston, Chair of Blues and Twos addressed the membership and spoke of the very different year including the positive technological drive to further improve services to members during the current pandemic and thanks to the organisations who partner with us encouraging their employees to save via […]

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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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  • Chat with us on NIVO

    NIVO is encrypted and secure.  Chat with us online Mon-Fri 10am to 4pm.  Here to answer your saving and borrowing questions.  Helping you provide any documents and information we may need for your applications and transactions secure and fast.

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  • Backup Buddy

    Backup Buddy is the mental health app for UK Police and Police staff, if you need any support or advise please get in touch with them by clicking here. The App covers a range of problems faced by officers and staff in the Police Service, such as anxiety, anger, depression, stress, Post Traumatic Stress Disorder, […]

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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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  • Coronavirus Business Contingency Plan

    It remains business as usual for the team at Blues and Twos, however as Corona virus spreads, we would like to update you on what we are doing to minimise any potential disruption and continue to provide you with the service you expect from us. We already have a business continuity plan in place for […]

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  • 10 Reasons a Credit Union Loan is Better than a PCP Agreement

    Personal Contract Plans, or PCPs, have recently become a popular way to finance a new car. Many dealerships can offer you a very attractive-sounding deal on the spot – affordable deposit, low monthly payments, and trade in the new car after 2-3 years… what could possibly go wrong. Victoria Harrison, Blues and Twos Chief Executive […]

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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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  • Blues and Twos Achievements in 2019

    V Harrison, CEO, Blues and Twos Credit Union It is a while since I ‘blogged’ so please bear with me on this….   The Government remain keen to expand the provision of financial services and consider credit unions to be relatively new at achieving recognition for safe savings, and community engagement. We know credit unions […]

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  • Reach your financial goals in 2020!

    No matter how small, or large your goals are Blues and Twos are here to help. It is important to plan for your financial future. Here are some examples of financial goals that you can consider setting for yourself: Pay off Credit card debt – We offer debt consolidation loans to members who are looking […]

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  • Great 2019!

    Wow what a year.  Targets exceeded in lending and new member recruitment. In its second year, the Blues and Twos Speediloan met targets to offer lower lending at affordable rates with same day funds.  Awarded the 5* Mark by the Fairbanking Foundation this product offers members flexibility, early repayment without penalty, and a loan up […]

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  • LCC Employees – Take a look at E-Learning here

    Log in to Astute – https://lancashire.astute-elearning.com/Content/LXP/LXPLogin.aspx Astute is the LCC corporate elearning system and includes corporate elearning such as induction and health and safety. Please register for Astute using a unique work email address where possible.

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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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  • Improvements

    Over the past couple weeks we have received feedback from our loan process. Some members were finding it confusing to sign their agreement electronically, therefore we have reviewed our system and made a couple tweaks to make it easier for the members. We’ve put all the loan information required into one, easy to read, email. […]

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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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  • Feedback Prize Draw

    Congratulations to our member Mr Buckley on winning our Feedback Prize Draw.  The Feedback given was: – Was the online loan application easy to understand:  Yes Was the online loan calculator easy to use:  Yes Was the information we provided on receipt of your application useful and informative:  Yes Comments:  I don’t think you could […]

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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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  • Blues & Twos Society Lottery

    The Winners of the October Blues and Twos Society Lottery draw are now available to view.  “You have to be in it – to Win it!”

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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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