NHS Credit Union Reviews 

421
•
TrustScore 5 out of 5

4.9

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Review summary

Created with AI, based on recent reviews

Considering 122 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently emphasize that the dedicated team members are exceptionally helpful, polite, and understanding throughout loan applications. Many individuals praise the personalized financial advice received, noting that staff take ample time to explain all available options clearly. Consumers also deeply appreciate the straightforward online platform and timely communication that make managing personal accounts very easy. People regularly mention receiving compassionate assistance during difficult life situations without ever feeling embarrassed or judged. Reviewers consistently recommend this trustworthy and supportive service to their colleagues and friends for various financial needs.

What people talk about most

Staff

Users describe positive interactions with staff, frequently highlighting their helpfulness, patience, and... See more

Service

Reviewers highlight positive aspects of service, noting that everything is handled in a professional and... See more

User experience

Customers consistently note positive experiences with user experience, highlighting that the website is easy... See more

Response time

People report positive experiences with response time, noting that staff members are consistently timely,... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Iv been with the nhs credit union for 18years . Iv saved woth then and had several loans . Had new loan for a car which is better interest and terms than hp. Easy application and stress free and don’t... See more

Rated 5 out of 5 stars

My experience with the NHS Credit Union was exceptional from start to finish They were quick to respond and all questions and paperwork sent via text message just goes through so smoothly and easi... See more

Rated 5 out of 5 stars

I’ve used NHS Credit union for a loan on a few occasions now and it’s always been a relatively straight forward experience. It’s a fairly quick process considering how they assess your loan. From app... See more

Rated 5 out of 5 stars

I cannot recommend the NHS Credit Union highly enough. I recently reached out for help consolidating my debts after a very difficult year, and the support I received was exceptional. Paula, in... See more


Company details

  1. Non-Bank Financial Service
  2. also in
  3. Alternative Financial Service
  4. Credit Union
  5. Loan Agency
  6. Savings Bank

Written by the company

The NHS Credit Union is a financial co-operative, owned and controlled by its members. We help care for the financial health of members across Scotland and the North of England and our membership is growing at record rates. Almost 20,000 NHS workers are currently enjoying the benefits of being an NHS Credit Union member.


Contact info

4.9

Excellent

TrustScore 5 out of 5

421 reviews

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No recent history of asking for reviews

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4.9

All reviews

(421)

115 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

Can’t fault the service!

I have both loans and savings with the NHSCU and the service I’ve had through all of my experiences has been absolutely flawless. The application process is very straightforward and the Nivo system walks you through every bit of information you need to provide. You’re kept up to date throughout the process and any question you have are answered by a well-informed and experienced team. I very much appreciate what the NHSCU offer and the ethos behind their service. I’m a very happy customer.

11 June 2025
Unprompted review
Rated 5 out of 5 stars

Highly recommended

The experience from start to finish on loan approval was excellent. Completed via nivo is straight forward. natalie was a great help and helped me understand the process and requirements. I have been with credit union for over 15years. highly recommended

4 June 2025
Unprompted review
Rated 5 out of 5 stars

Debt

After getting into a bit of financial difficulties I applied to the NHS credit union. I wasn't sure if I would receive help as my credit rating is bad. It turned out the process was so simple and fast from start to finish. I would recommend the services to other people who might
benefit from this service, don't wait till your debt affects your health act now.

29 May 2025
Unprompted review
Rated 5 out of 5 stars

After getting into a bit of financial…

After getting into a bit of financial difficulties someone told me about the nhs credit union. I was a bit nervous about applying as my credit rating is really poor. However the process was so simple and fast from start to finish. I would definitely recommend the services to other people who might benefit from this great service.

28 May 2025
Unprompted review
Rated 5 out of 5 stars

NHS credit union

I have seen the credit loan information on my pay slip a few times yet giving it a go was very simple and the response was faster ,very timely loan offer with the NHS credit union is the greatest I received . Great service and am glad I took the step

27 May 2025
Unprompted review
Rated 5 out of 5 stars

My NHS Credit Union

The team at NHS Credit Union have been most helpful and efficient in handling my request. From start to finish, I was informed each step of the way. I would highly recommend them.

16 May 2025
Unprompted review
Rated 4 out of 5 stars

Good process through the app

The initial process for debt consolidation loan is quite confusing and you do only have two days to gather your information and upload it to the Nivo app so my advice would be to have that ready first before you apply and make sure you know your balances etc. However, after that I was assisted by Natalie who was really helpful and double checked my accounts before proceeding.

16 May 2025
Unprompted review
Rated 5 out of 5 stars

I cannot put into words just how much…

I cannot put into words just how much the NHSCCU has helped both my family and myself at the most trying, stressful and challenging of times
They have been the beacon of light in the darkest of times and have came through every time
I cannot thank them enough
Brilliant service
Thank you all so very much x

15 May 2025
Unprompted review
Rated 2 out of 5 stars

No ability to pay down, no incentive to save

I took a budget booster loan out, thinking this would help some short term expenses, but not realising it’s added to your credit profile as a credit card, not a loan. As I was utilising more than 50% of it, it negatively impacted my credit score. After realising this, I asked to apply my savings within the credit union to lower the balance, lower the interest (and heal my score a bit) but was refused as they’ll only let you pay the balance in full, not in part.
Then, I get emails offering loans etc from them. I’m honestly starting to wonder about their practices.
They also hold your savings, you can’t touch them whilst you have a credit product running, this includes additional savings you choose to put in during that time, so there’s no incentive to continue to save, because you can’t get at your savings! The interest rates aren’t super competitive anymore either, so I don’t think I’ll be using them again. Once my budget booster is complete, I reckon I’ll go to my town’s CU instead.

13 March 2025
Unprompted review

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