Clockwise Credit Union Reviews 860

TrustScore 4.5 out of 5

4.7

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Review summary

Created with AI, based on recent reviews

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for their kindness, helpfulness, and professional approach, often highlighting their commitment to assisting people, especially during difficult times. Many consumers found the customer service to be excellent, noting the clear communication, quick response times, and the ease of the overall user experience. People frequently mentioned the smooth and efficient process for services like loans, often exceeding their expectations. However, some customers also noted occasional issues with the application process, describing it as frustrating or protracted, with some experiencing delays in account activation or loan approvals. A few reviewers mentioned difficulties with identity verification, being asked to resubmit documents multiple times, or receiving little explanation for loan rejections.

What people talk about most

Service

Customers had positive experiences with service, often praising the quick, professional, and reliable... See more

Staff

Users describe positive interactions with staff, consistently highlighting their helpfulness,... See more

User experience

Customers consistently note positive experiences with user experience. Many reviewers found the application... See more

Customer service

Clients share positive opinions on customer service, frequently highlighting the helpfulness and politeness... See more

Response time

Reviewers highlight positive aspects of response time. Many customers appreciate the speed and efficiency,... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Whenever I’ve needed support, Clockwise Bank has always been there for me. Their team is kind, reliable, and truly committed to helping people—especially during tough times. It’s more than just bankin... See more

Rated 5 out of 5 stars

Brilliant customer service from Clockwise Credit Union. So helpful and easy to deal with. Even with bad credit, they look at more than just your score. If your Child Benefit goes into your Clockwise a... See more

Rated 5 out of 5 stars

Best saving account/bank I’ve ever used amazing load easy to access and for everyone who turned me down for small loans they go of real life circumstances and are so caring never had any issues been w... See more

Rated 5 out of 5 stars

It was my first time using any credit union. I didnt have photo ID, so the selfie picture is a great idea. From first starting the loan process to actually getting the loan in my bank was 2 weeks n th... See more


Company details

  1. Credit Union
  2. Alternative Financial Service
  3. Financial Institution
  4. Loan Agency

About Clockwise Credit Union

Written by the company

loans We are a fair, responsible and people focused credit union, providing a range of financial products and services to the local communities of Leicester, Leicestershire, Rutland, Northamptonshire, Coventry and Warwickshire.

Credit unions can consider all loan applications from people in our communities, regardless of background, including those who are in receipt of benefits. A credit Union is also a not-for-profit organisation, our focus is on improving the financial well-being of our members and helping the local community.

How we can help

Loans

loans We offer loans from £50 up to £15,000 and with fast decisions online, no hidden fees or penalties and we consider all applicants, regardless of circumstances.

Savings

loans Our flexible, easy access savings accounts offer great value for everyone! Whatever you are saving for, saving regularly helps you to manage your money better.

Current Account

loans Manage your normal day-to-day spending. You can pay bills, set up direct debits or standing orders and receive any salary or benefit payments.

Why we are different

What sets us apart from mainstream banking institutions is that we are a not for profit co-operative organisation. This means that money that members make and save from being a member stays in the local community. By coming together as a co-operative it gives all members access to low cost loans, as little as 8.7% APR.

As an ethical lender we assess each loan application on individual circumstances thereby enabling us to consider everyone, irrespective of their credit status or personal circumstances.

When you join Clockwise you benefit from becoming a shareholder; and all cash surplus generated is divided between our members as interest on savings & rewards for good borrowers.

Members are central to everything we do and are the heart of our strategy.

Written by the company

Vision
We want to be the first and best choice when it comes to helping people with their money. Whether you’re already a member or someone who wants to join us in the future, we aim to be the best choice for providing financial services. We’ll work hard to earn your trust and show you that we can take care of your needs and help you achieve your financial goals
Mission
Our Credit Union’s mission is to be responsible and caring, not just focused on making money. We want to show something special called the “credit union difference.” This means we will be fair, honest, and creative in how we offer financial products and services to our members. We value our members’ opinions and want to work together as a team. Our goal is to build strong relationships with our members and the community. Because we are owned by our members, we consider their needs first: this helps us stand out against banks and other financial organisations. By being strong financially, we can offer reliable and affordable options to our members. This will help them and the community as a whole to be financially better off. Our main focus is on people, not just profits.

Your circumstances considered

Fair and affordable credit

Fair and affordable credit
We consider all circumstances. We’ll aim to give you an instant decision or we’ll let you know within 1 working day and put the money into your account the same day! Repay weekly, fortnightly or monthly by debit card, standing order or from your benefits. No fee if you need to change.

Contact info

4.7

Excellent

TrustScore 4.5 out of 5

860 reviews

5-star
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1-star

Replied to 31% of negative reviews

Typically replies within 48 hours

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Rated 5 out of 5 stars

Managed to get a small loan when I got…

Managed to get a small loan when I got turned down by everywhere else. Took a couple of weeks to get money through but as soon as everything was complete it was available straight away. Good communication with friendly staff. Would recommend to anyone struggling to get finance.

March 4, 2026
Rated 5 out of 5 stars

Fair, Fast & Friendly service.

I’m so impressed with how this business provides such a careful thorough professional service, it took less than 48 hours from start to finish.
Even with a decent credit score it is so difficult to get a loan nowadays when you’re in receipt of benefits but these offered me assurance that I wasn’t being judged for being on disability benefits & best of all I was accepted.
Thank you Clockwise, I wish I had discovered you years ago.

February 24, 2026
Rated 4 out of 5 stars

Overall pleased with the service…

Overall pleased with the service provided by Clockwise. Th only thing that dropped my rating from 5-star to 4-star was the slightly protracted, and frustrating, process for approving the loan.
And I still do not understand why the date of 1st payment was so important. It has meant some juggling of finances that should not have been necessary.

February 19, 2026
Rated 5 out of 5 stars

Clockwise credit union is a life saver

Clockwise credit union is a life saver. When I claimed universal credit, I had no bank account it took a month for my GP to give me proved of address while waiting I had no money for daily expenses because I can't open a bank account without proved of address. I went to the job centre they referred me to Clockwise credit union where they help me open an account . They did open an account with the proved of address sent by the job centre in my post . Thanks to them I was able to received my benefits to sustain myself. Now that I'm working I still use the same account for my salary .credit union is the best bank to save your money. They have excellent staff with good customer services and communication skills. The environment is very neat and smells good. Without clockwise credit union I could have died of hunger .

February 24, 2026
Rated 1 out of 5 stars

My account was put to sleep due to me…

My account was put to sleep due to me not using it I received no letter about it changing to clock house
It's taken over six days to activate the account also the customer service is terrible as I said I need to put in a complaint to be asked why as they use an outside agency for conformation of my ID but was given nothing to help with my issues

February 17, 2026
Unprompted review
Rated 1 out of 5 stars

Don't waste your time with this company…

Don't waste your time with this company they are the worst company we have ever dealt with. They asked my wife for posted bank statement. She had to call the bank to order them as they dont send them due to the carbon footprint it creates but this company clearly dont care about global warming. Then once we received the posted bank statements we send them. Then this incompetent company says sorry we cant verify your address ID even tho my mrs address on driving licence and posted bank statements match. They now want to push that carbon footprint by making my Mrs miss a day off work, lose a days pay to show them the same letters in person to what we sent already. Talk about a company with no clue. If you suffer with anxiety or any other mental health issues I extremely recommend staying away from these A holes

February 24, 2026
Unprompted review
Rated 1 out of 5 stars

Says you can verify online but they won't let you.

Applied for a loan to consolidate debt. Was told that to proceed I needed to visit a branch with ID documents. When I looked and realised I wasn't able to get to a branch, I emailed and asked if I was able to verify online as per their website says you can with their trusted partner hooyu. I received a response saying as per the accounts team response, that I couldn't and needed to go in branch. Disappointing and won't be proceeding with membership.

February 19, 2026
Unprompted review
Clockwise Credit Union logo

Reply from Clockwise Credit Union

Thanks for taking the time to leave your feedback, and sorry for the frustration this caused.

While we do offer online ID verification through our trusted partner, unfortunately there are some instances where we’re unable to complete checks electronically. When this happens, it becomes a legal requirement for us to complete KYC (Know Your Customer) checks in person at one of our branches.

We completely understand that this isn’t always convenient, and we’re sorry it prevented you from continuing with your application. Your feedback is appreciated and helps us highlight where expectations on our website could be clearer.

If you’d ever like to discuss this further, our team would be happy to help.

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