Loans - Please visit



Please note HCCU are no longer accepting loan applications, contact Hi-Scot 01851 701865

Existing Loan Members -Please contact [email protected]



Loan protection insurance

Your Credit Union loan is protected in the event of your death* – helping protect your family from the financial burden of bereavement.

When you take out a loan with us, you also get built-in loan protection insurance. If you were to die before your Credit Union loan is repaid, this protection can help towards settling the debt, so that it is not passed on to your loved ones.

Whilst it won’t take away the pain, it will assist with the financial strain of bereavement. This benefit is included at no extra cost to you as part of your Credit Union loan arrangement.*
This peace of mind doesn’t cost the earth; it’s just another benefit of being a Credit Union member.

As a Credit Union member, you’re not only borrowing for the things you desire to make life more comfortable for you and your family. By choosing to borrow from your Credit Union, you’re helping us to provide better value loans for all Credit Union members. Along with the added peace of mind provided by Loan Protection, loans from your Credit Union can offer better financial security for you and your family.

*Subject to terms and conditions. Cover limits vary and certain restrictions apply based on age and cover. Please ask your Credit Union for more details about the individual limits and restrictions of Loan Protection Insurance. Loan Protection Insurance is underwritten by Covéa Life Limited.

Covéa Life Limited is authorised by the Prudential Regulation Authority and regulated by Financial Conduct Authority and Prudential Regulation Authority.

In association with

CUNA Mutual Group Limited

CUNA Mutual Group Limited is authorised and regulated by the Financial Conduct Authority.