NHS Credit Union Reviews 

1st class service, keep you updated, excellent communication and very attentive.

They are so fair and supportive and they dont judge you or your past circumstances.

Nhs Credit union have been fantastic from Start to finish, we hit a few bumps in the road but they were very helpful

I’ve been a member of the NHS Credit Union for years and I 100% recommend. This is an amazing team that provides a completely judgement-free space—they truly listen to your situation and treat you like a person, not just a number.
Everything is handled in a professional and timely manner, every single time.
A massive thank you to Natalie for her incredible patience and support; she made the process so much easier.
If you’re an NHS employee looking for a supportive place to save or borrow, don’t hesitate. You will not be disappointed!

Been with nhs credit union for years now and has always been easy to apply for loans and to save
Staff very compassionate and helpful
Highly recommend

I have recently applied for a loan to purchase a new car. Everything was simple to understand and I was kept informed of next steps, time scale expectations etc!

Was guided all the way through application by Natalie who was very helpful as I’m not very computer savvy but she was very helpful

Applied for a debt consolidation loan and some of the parts I had slightly missed or wasn’t sure where to find and the staff helped me out with this, friendly and professional, honestly recommend.

After getting into difficulties I applied for consolidation loan with NHS Credit union. I do appreciate with the help from staff who help me from start to finish. Once again thank you very much.

Really quick responses and helpful. Would really recommend.

The team has been great. Good communication , understanding and supportive.

Excellent service and absolutely helpful

Very easy and efficient to deal with. Understood what I was looking for and was arranged very quickly.

I’ve had two successful loans with NHS Credit Union, so I can’t say they haven’t come through for me — they absolutely have, and I’m grateful for that.

The ability to complete everything through the app is convenient in principle. However, the process itself can feel quite soul-destroying at times. Some of the communication feels very transactional and lacking empathy — for example, messages like “If you don’t reply by X time, your application will be closed.” When you’re already in a financially vulnerable position, that tone can add unnecessary stress.

The NIVO app can also be frustrating. It doesn’t always clearly show what you’ve uploaded, which leaves you guessing whether documents have gone through successfully or not. That uncertainty just adds to the anxiety during the process.

The interest rates are also higher than I would expect from a credit union. For example, I’ve just taken a £25,000 debt consolidation loan and will be paying around £13,000 in interest at 18%. That feels steep, particularly given the ethos credit unions promote.

That said, the system does work, and they have approved me twice when I needed support. At times, though, it has felt like I didn’t really have another option

Been with NHS credit union for a number of years. No faults. Always there to help & give advise and loans when you struggle to get elsewhere.

Easy and straight forward process from begin to end, very person centred to individual situations which makes a very positive review. Very helpful and I have now solved all of my debts with a debt consolidation loan

Good communication and prompt service.

I have used NHS Credit Union on a few occasions now, and each time the service has been excellent. The process is straightforward, transparent, and easy to manage.
Natalie was particularly helpful — she was friendly, professional, and didn’t make things complicated. She explained everything clearly and made the whole experience smooth and stress-free.
I would definitely recommend NHS Credit Union to others looking for a reliable and supportive service.

I had a very positive experience during my recent loan application. I have completed it through Nivo app, and Natalie was dealing with my loan. She was professional, patient, and extremely helpful throughout the process.
She kept me updated regularly and ensured that all required documents were processed on time.
I truly appreciate her dedication and excellent customer service.

I reached out to them for advice and support during a difficult time and they supported me to resolve my issues and gave me peace of mind. Can’t thank Vicky enough for her help.