I took out a loan which would have been…
I took out a loan which would have been £7 a week which I took out and it turns out I have to pay £12 a week.

Cambrian Savings and Loans is a member-focused credit union that provides a range of financial products and services to individuals in the counties of Anglesey, Conwy, Denbighshire, Flint, Gwynedd, Powys, and Wrexham. The company specializes in offering affordable loans, allowing customers to borrow between £200 and £15,000 with flexible repayment terms of up to seven years. Interest rates vary, providing options for borrowers based on their financial situation. Additionally, Cambrian Savings and Loans promotes a community-oriented approach to financial services by encouraging savings and responsible borrowing. With no joining fee, the company aims to make its services accessible and supportive for all members. Through its ethical practices and commitment to fair lending, Cambrian Savings and Loans seeks to foster financial well-being within the communities it serves.
Cambrian Savings and Loans receives overwhelmingly positive feedback from its customers, who frequently highlight the helpfulness and reliability of the staff. Many reviewers appreciate the efficient service, noting that transactions are processed quickly and the online banking platform is easy to use.
The organization is praised for its community focus and the personal touch provided by its advisors, who are described as kind, polite, and eager to assist. However, some customers express concerns regarding unexpected charges associated with loans, indicating a lack of clarity in the fee structure. Additionally, while the transition to online services is generally well-received, a few users miss the convenience of in-person interactions at local branches.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 4.8 | 60 | 100% | -0.3 | ● Medium |
Monthly average rating from reviews written by people · latest review Aug 2025.
| Month | Average | Reviews |
|---|---|---|
| Dec 24 | 5.0 | 18 |
| Jan 25 | 4.8 | 6 |
| Feb 25 | 3.0 | 1 |
| Mar 25 | 5.0 | 1 |
| Apr 25 | — | 0 |
| May 25 | 4.9 | 9 |
| Jun 25 | — | 0 |
| Jul 25 | — | 0 |
| Aug 25 | 4.6 | 25 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 60 most recent reviews.
“Advisors on phone always helpful if ever making an enquiry or transaction”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Loans & Mortgages.
| Company | Overall | Legit | Service | Trend | Reviews |
|---|---|---|---|---|---|
| 4.8 out of 5 (good) | 100 out of 100 | 4.9 out of 5 (good) | −3% | 60 | |
| 4.3 out of 5 (good) | 100 out of 100 | 4.2 out of 5 (good) | +39% | 1,000 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.6 out of 5 (good) | — | 1,000 | |
| 4.2 out of 5 (good) | 100 out of 100 | 4.0 out of 5 (good) | −19% | 618 | |
| 4.7 out of 5 (good) | 100 out of 100 | 4.5 out of 5 (good) | — | 27 |
Bottom line: Cambrian Savings and Loans is #1 of 5 on overall rating in this group.
60 reviews of Cambrian Savings and Loans. Filter by what matters to you.
I took out a loan which would have been £7 a week which I took out and it turns out I have to pay £12 a week.
After being with Cambrian for 2 years, I requested a loan top up which they had declined . Instead of looking at my current loan and that I’m on top of my payments each month never missed a payment very good customer and pay more to what I should be paying they declined going off the back of my recent credit rating where there was something on there which I’m not aware of which has since been rectified and have spoken to company in question . I Felt really upset the answer was simply no and no empathy , I had no email I had to follow up myself to what was going on with my application . Won’t be applying again . Felt like they do not look after long standing customers. Other than that other staff have been friendly and helpful Over the phone that’s why I’ve given 3 stars. Thanks
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Cambrian Savings and Loans is a member-focused credit union that provides a range of financial products and services to individuals in the counties of Anglesey, Conwy, Denbighshire, Flint, Gwynedd, Powys, and Wrexham. The company specializes in offering affordable loans, allowing customers to borrow between £200 and £15,000 with flexible repayment terms of up to seven years. Interest rates vary, providing options for borrowers based on their financial situation. Additionally, Cambrian Savings and Loans promotes a community-oriented approach to financial services by encouraging savings and responsible borrowing. With no joining fee, the company aims to make its services accessible and supportive for all members. Through its ethical practices and commitment to fair lending, Cambrian Savings and Loans seeks to foster financial well-being within the communities it serves.
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