Affordable Credit
Responsible lenders act in the best interests of the customer by providing clear terms and conditions, making sure credit is affordable and offering support to the borrower if they have difficulty with repayment. If you need to take a loan or buy items on credit, there are different options for affordable credit available from responsible lenders.
Credit Unions
A credit union is a not for profit organisation that provides affordable financial options for its members through savings accounts and low cost loans. There are three credit unions available for West Lothian residents and each provides a range of products and services for members.
| Name | Contact Details | Website |
| Blackburn Seafield and District Credit Union | Blackburn Partnership Centre, Ashgrove, Blackburn, EH47 7LL Tel: 01506 650198 | Blackburn Seafield and District Credit Union (opens new window) |
| Capital Credit Union | 31 Dunedin Street, Edinburgh, EH7 4JG Tel: 0131 225 9901 | Capital Credit Union (opens new window) |
| Caledonian Credit Union | Unit 6, Almondbank Centre, Craigshill, Livingston, EH54 5EH | West Lothian Credit Union (opens new window) |
All credit unions are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Conduit Scotland
Conduit Scotland is a not for profit Community Development Finance Institution (CDFI) lending personal loans between £100-£1000 to people who find it difficult to access other sources of credit. Conduit Scotland offers customers a lower cost, flexible and affordable alternative to high cost short term loans such as 'payday loans' or doorstep lenders. In addition, Conduit Scotland can also support people towards local advice and support services to increase their incomes and reduce their outgoings.
| Name | Contact Details | Website |
| Conduit Scotland | Telephone: 0300 111 0556 | Conduit Scotland (opens new window) |
Conduit Scotland is a wholly owned subsidiary of social enterprise Five Lamps and are regulated and monitored by the Financial Conduct Authority.
