Welcome to CUOK

Our small loans of between £100-£400 are simple, fair and affordable, helping you spread the cost of short-term borrowing over 1-3 months.

At just 42.6% APR, our interest rates are so much lower than the expensive payday lenders and other high cost alternatives that typically charge 1,509% APR. Apply online now and get your decision in minutes. You can then choose our same day payments service to get the money transferred into your bank account quickly.

See how much you can save with a CUOK loan…

A typical example: A loan of £400 payable over 1 month will cost:

Costs £96 with typical payday loan lenders

Costs just £12 with handiloan at 42.6% APR

Apply now

Breathing space

You can repay your loan over up to 3 months. You control how much you borrow and over how many months. Start benefiting today. We'll CUOK.

London Mutual Credit Union

CUOK Pay day loans are available from London Mutual Credit Union (LMCU) exclusively for people who live or work in Southwark, Lambeth, Westminster or Camden.

Our members benefit from significantly lower interest rates than are available from other short term loan providers. A payday loan from LMCU can help see you through until your next payday and won't weigh you down with sky high interest rates.