London Capital Credit Union (LCCU) is a not-for-profit savings and loans cooperative based in the UK, dedicated to promoting the principles of saving over borrowing. The organization offers a range of financial services, including low-cost loans of up to £40,000, designed to assist individuals during times of need. By encouraging members to save, LCCU aims to help its community manage debt more effectively and improve financial well-being. Targeting a diverse clientele, London Capital Credit Union serves individuals associated with over 100 Salary Savings Scheme Employer Partners. Members benefit from various savings options, including the PrizeSaver savings account, which offers a chance to win cash prizes while earning dividends. With a focus on community investment and responsible lending, LCCU strives to support its members in achieving financial stability and reducing reliance on high-cost borrowing.
London Capital Credit Union receives overwhelmingly positive feedback from its customers, who appreciate the supportive and reliable service provided, especially during times of need. Many reviewers highlight the efficient loan application process, noting quick responses and favorable charges compared to traditional banks.
The staff is frequently described as friendly and knowledgeable, contributing to a positive overall experience. However, a few customers express concerns regarding the handling of loans and credit issues, suggesting that there may be room for improvement in these areas. Despite these minor complaints, the majority of consumers feel grateful for the assistance they receive, particularly in debt consolidation and financial support. Overall, London Capital Credit Union is viewed as a trustworthy and helpful financial partner.
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 | 4.5 | 60 | 100% | +3.0 | ● Low |
Monthly average rating from reviews written by people · latest review Sep 2025.
| Month | Average | Reviews |
|---|---|---|
| Nov 24 | 1.0 | 1 |
| Dec 24 | — | 0 |
| Jan 25 | — | 0 |
| Feb 25 | 1.0 | 1 |
| Mar 25 | 5.0 | 1 |
| Apr 25 | 5.0 | 1 |
| May 25 | 1.0 | 3 |
| Jun 25 | — | 0 |
| Jul 25 | 4.9 | 18 |
| Aug 25 | 5.0 | 8 |
| Sep 25 | 5.0 | 16 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 60 most recent reviews.
“They are professional and the customer service is excellent”
“I applied for a loan from London Capital Credit Union in good faith”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Finance & Insurance.
| Company | Overall | Legit | Service | Trend | Reviews |
|---|---|---|---|---|---|
 | 4.5 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | — | 60 |
| 4.2 out of 5 (good) | 100 out of 100 | 3.3 out of 5 (fair) | — | 1,200 | |
| 4.7 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.9 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | — | 1,060 |
Bottom line: London Capital Credit Union is #4 of 5 on overall rating in this group.
60 reviews of London Capital Credit Union. Filter by what matters to you.
Over a year ago
London capital Credit union is always there for me when I need a loan. Very different from the banks that they do turn their back on you when u need a loan. Would I recommend Credit Union? YES 100% Th... See more
Over a year ago
LCCU is always a great help for me and my family in times of need. I am forever grateful
Over a year ago
I appreciate the effort and the most important thing is communication, I have never been disappointed in Credit union, they are always there for me when I need them the most.
Over a year ago
I have been with credit union for many many years and I can say hand on heart that my experience has been absolutely wonderful i have spoken to many people at credit union over the years and I always... See more
Quick answers to the questions people ask most.
Yes, London Capital Credit Union is a legitimate company with a strong reputation, reflected in their high rating and numerous positive reviews from real customers who appreciate their supportive services.
No, London Capital Credit Union is not a scam. Verified reviews indicate a pattern of satisfied customers who highlight the safety and reliability of their services.
London Capital Credit Union offers a variety of financial services including loans, savings accounts, and financial advice, with many customers praising their helpfulness and efficiency in processing applications.
London Capital Credit Union provides various payment options for loans and services, ensuring a smooth and straightforward process as highlighted in customer feedback.
Customer support at London Capital Credit Union is accessible through multiple channels including phone and email, with many reviews praising the quick and efficient responses from their knowledgeable staff.
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London capital Credit union is always there for me when I need a loan. Very different from the banks that they do turn their back on you when u need a loan. Would I recommend Credit Union? YES 100% Thank you
LCCU is always a great help for me and my family in times of need. I am forever grateful
I appreciate the effort and the most important thing is communication, I have never been disappointed in Credit union, they are always there for me when I need them the most.
I have been with credit union for many many years and I can say hand on heart that my experience has been absolutely wonderful i have spoken to many people at credit union over the years and I always get the same kindness and understanding the staff work so hard and and stay friendly and professional i can honestly say for me personally I thank the hole team as without credit union I wouldn't have been able to save thank you credit union team you all are amazing 🤗
Lovely Services always helped
Clear consise information- no jargon Favourable charges, friendly knowledgeable staff
LCCU have been an absolute God send. They are professional and the customer service is excellent. For me, they are 10/10👌🏽
Very good campany
Simple and smooth process in applying for Loan.
My loan application was dealt with within 3 days, thank for your speedy decision
Fast, Efficient & Reliable.
The Professional and efficient service they always provide, They streamlined easy of application and response was also very good. Overall a great experience and welcomed service.
I've been your credit union for years. Always giving a great and professional service
Always sch a good service and fast, CU has helped me with so many things, holiday, car and saving
London Capital Credit Union has been incredibly helpful and reliable in challenging times. I am grateful for the kind support provided when necessary, and the consistency experienced with. I greatly recommend it for both savings and loans, it has definitely made a positive and memorable difference for me over the years.
I am very grateful to London Capital Credit Union because they helped me consolidate my debt! Due to the high interest rates at commercial banks, I could only afford to pay the interest, and the principal of the credit never decreased. Now, I will be paying almost the same monthly amount, but this money will not go only toward interest—it will also reduce the principal. Moreover, part of this payment will be accumulated as savings in my London Capital Credit Union account! Many banks refused me a consolidation because they only check the credit score and don’t consider whether you are able and willing to consolidate your debt over a longer term to fully repay the loan. I am truly grateful to London Capital Credit Union! Thank you so much, guys!
I always get top notch services whenever I need it. With help of Johnny, it has always been a smooth experience with the Credit Union. Accessing loans has never been so seamless and less demanding.
I heard about the credit union from my church, I’m excited to start saving with my prize saver account. Thanks so much to Johny for giving me valuable information and helping me fill out the membership application.
London Capital Credit Union (LCCU) is a not-for-profit savings and loans cooperative based in the UK, dedicated to promoting the principles of saving over borrowing. The organization offers a range of financial services, including low-cost loans of up to £40,000, designed to assist individuals during times of need. By encouraging members to save, LCCU aims to help its community manage debt more effectively and improve financial well-being. Targeting a diverse clientele, London Capital Credit Union serves individuals associated with over 100 Salary Savings Scheme Employer Partners. Members benefit from various savings options, including the PrizeSaver savings account, which offers a chance to win cash prizes while earning dividends. With a focus on community investment and responsible lending, LCCU strives to support its members in achieving financial stability and reducing reliance on high-cost borrowing.
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