Have you recently been turned down for a loan by the bank?

Life can throw unexpected challenges your way. Whether it’s a broken appliance, car repairs, or unexpected vet bills, being denied a loan when you need it most is frustrating.

At NestEgg, we believe everyone deserves access to affordable credit when needed.

That’s why we partner exclusively with community-based lenders like credit unions because they care about you, not just your credit score.

How it works

Find loans you are eligible to apply for

Check your chances with a soft credit check that won’t impact your credit score

Apply for your chosen loan

If your chances are not good get personalised tips on how to get it next time

Get Started

Why Credit Unions?

Credit Unions, also known as Community Banks are not-for-profit, co-operatives who provide savings and loans to their members. They:

Often have lower interest rates on loans

Encourage members to save as they borrow

Share profits with their members

May provide free life insurance

Have savings accounts that are protected by the Financial Services Compensation Scheme.

Are regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Find me a Credit Union

Testimonials

"I would recommend a credit union to everyone, it makes life easier for all unexpected expenses."

- Ruby

"I had no idea these services were available to me. Having come out of a financially difficult situation, my credit union has provided me with a useful lifeline, the staff are friendly and helpful."

- Michelle

"Everyone should have a credit union, it's honestly the best thing I’ve done. They are always there in case of hardship and or emergencies."

- Saffron

Frequently Asked Questions

How much does this cost?

Our service is free for you.
We only charge the lenders a fee for each loan we send to them.

I have a low credit score, will I get a loan?

Credit unions are more likely to say ‘yes’ to a loan application than a bank.
A low credit score doesn’t stop you from being accepted.
Lenders will look at affordability and your very recent credit history.
It will be harder to get a loan if you’ve defaulted on an account in the last few months. However, missed payments from more than one year ago are less likely to have an impact on your ability to get a loan.

How quickly can I get a loan?

In some cases the next day. However you may need to send in additional paperwork to support your application. Using Open Banking is always quicker.

Get Started

NestEgg Limited is regulated by the Financial Conduct Authority as a Provider of Credit Information Services and for Credit Broking (Firm Reference Number: 920630, Company number: 10427741) NestEgg Limited is acting as an agent of TrueLayer, who is providing the regulated Account Information Service and is Authorised and Regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 and Electronic Money Regulations 2011 (Firm Reference Number: 901096).
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