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Student Membership

You are eligible to apply to Sovereign Credit Union for our Student Account if you study at Ayrshire College.

With a service that makes saving effortless; that offers fair and responsible loans and has built-in no-cost loan and life insurance, joining Ayrshire Credit Union will be the best decision you’ll make this year.

Whatever you need a loan for, Sovereign Credit Union is here to help. Our Student Account is affordable and flexible, tailored to your circumstances. We’ll never offer you something you can’t afford, and we also offer free Loan Protection Insurance.

Interest is charged from 2.5% per month (34.70% APR) calculated daily on the reducing balance. No hidden fees or early repayment penalties. A Credit Check will be undertaken and detailed income and expenditure gathered. In addition, you may need to provide extra information i.e. the last 2 months payslips or award letter dated within the last 3 months and last 2 months bank statements.

T & C’s apply

  • I am over 18
  • I am a student at Ayrshire College
  • I can provide my Bursary Letter
  • I can provide my Student ID
  • I am looking to borrow £300
  • I can provide proof of income