Latest News

11 Dec 2025

Take Control: Our support helping you with direct payments

GCU asks members to get benefits/pensions paid into their bank account for instant access & greater control. Help us streamline! Keep saving via Standing Order or direct cash deposits.

11 Dec 2025

Stop Loan Sharks: Protect Your Finances This Christmas

Stop loan sharks in Wales. Spot red flags & get confidential help from the Wales IMLT. Use your credit union for safe loans. Don't suffer in silence.

10 Dec 2025

Stop Scammers in Their Tracks: Your Guide to Online Safety

Learn how to spot online scammers and protect your Gateway Credit Union accounts. Discover what we will never ask for, and get essential tips to avoid phishing, urgent calls, and financial fraud.

09 Dec 2025

Navigate the Festive Season Without Financial Stress

Holiday financial stress, cost-of-living Christmas, saving money holidays, festive season budget.

01 Dec 2025

Greater Peace of Mind: FSCS Deposit Protection Limit Rises to £120,000

Protect your savings! From Dec 1, 2025, the FSCS deposit protection limit rises to £120,000 at UK-authorised providers like Gateway Credit Union. Get peace of mind with enhanced financial security.

01 Dec 2025

GCU - Newsletters

Get the latest Gateway Credit Union news, updates, and financial tips! Stay informed about special offers, community events, and helpful resources with our free monthly eNewsletter. Subscribe today!

29 Nov 2025

Borrow with Purpose: Making Every Pound Count

Unlock financial stability with Gateway Credit Union. Borrow with purpose for home upgrades, consolidation, or essentials. We offer responsible, community-focused loans to help you move forward.

24 Nov 2025

Delivering Ethical Financial Support Across South East Wales

Get the facts on Gateway Credit Union's loan process and working hours. Learn about our 5-day timeline and why we prioritise ethical, community-focused service over speed.

24 Nov 2025

Taking Control of Your Finances: Essential UK & Wales Money and Debt Advice

Feeling overwhelmed by debt? Get free, expert, confidential financial and debt advice in the UK and Wales using MoneyHelper and government resources.

19 Nov 2025

Mind and Body: Gateway Credit Union Celebrates Self-Care Week 2025

Learn essential self-care strategies from Gateway Credit Union to improve your mental health, diet, and sleep. Start your personal well-being journey this Self-Care Week.

Secured Loan

Borrow against your savings with a secured loan.

If you want to keep your savings untouched, take a loan instead. Secured loans between £500 and £10,000 are available over anything between a few weeks and 5 years at a flat rate of 0.5% interest (6.2%APR).

Preserve the insurance on your savings and get free life insurance cover on loans taken out before your 70th birthday.

Loan application process

  1. Be a Member with shares
    You must be an existing Member with shares in the credit union to apply for the Secured Loan
  2. Login to Online Banking
    Login to or register for Online Banking to access the online Loan Application
  3. Apply for loan online
    Complete your application with the relevant attached documentation
  4. Sit back and relax!
    We will get back to you within 2 working days with our decision
Who can apply for a Secured Loan?

Who can apply for a Secured Loan?

Members of Gateway Credit Union with savings in their account can apply for the Secured Against Savings Loan. By securing against your savings you can borrow from £500-£10,000 and benefit from our lowest rate of 3.7% APR.