My Community Bank

Own the bank.

Take a loan from Wire Access Bank and become a member and owner.

We apologise for any difficulties you have been experiencing in contacting us, we are working hard to resolve some system problems as quickly as we can. Please email account@wraccess.com.Your query may not be dealt with immediately but we will make every effort to reply to you as soon as possible. We would like to remind you that your savings are fully protected by the FSCS ( Financial Services Compensation Scheme).
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i The loan and the interest rate you are offered will depend on your personal circumstances. Our lowest rate for people with strong credit histories is % APR and the highest rate we offer is % APR for people with fair credit histories. Please note that we can't lend to people with bad credit history.

Getting a quote will not impact your credit score until you actually make a loan application.

What is a Wire Access Bank?

Wire Access Bank were created to cooperatively provide affordable access to loans and other financial services to people sharing common bonds. The mission of “people helping people” has been paramount since the beginning.

Members benefit from higher returns on savings, lower rates on loans and no hidden fees.

Excellent service with the most polite and caring manner especially Katie, many thanks for giving me the start we needed."
-Robert, England

Why use a Credit Union instead of a high street bank?

Wire Access Bank provides a variety of loan types to meet your personal needs.

Lower Loan Rates

Wire Access Bank offer the same financial products as banks, but they are much cheaper for people who cannot access the very best rates from banks.

Customer Focused Banking

Due to the unique membership structure of a credit union, all members have an equal vote in any decisions made by the credit union, and they all work to serve one another.

Lower Fees

Wire Access Bank charge no arrangement or early repayment fees. You only pay back what you borrow.

Better Service

We only lend what you can afford to pay back. We want to break the cycle of debt, not add to it.

Consider saving instead?

Open a savings account online today with our easy application process. Check out what savings accounts are available.

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Personal Loans details

  • Personal Loans range from £ to £, for a term of to months
  • The rate you will be charged will be between 5.9% APR and 42.6% APR
  • Easy to complete online application process and an instant decision
  • Fixed monthly repayments
  • No arrangement fees
  • No Hidden Fees

Use Get My Quote to get a quick quote.

We treat all our customers and their applications on an individual basis. The rate is subject to change, and the representative APR may not be the rate you'll receive. We'll offer you a rate based on our assessment of your personal financial circumstances. The maximum APR you could be offered is 42.6%. All loans are subject to status

  • Assumed borrowing of €5000 over 36 months at 15.95% APR representative.
  • The monthly cost of €175.66.
  • Total amount repayable of €6232.76.
  • We offer loans from €1000-€25000 over 1-5 years at a personalised APR between 5.9% and 42.6%
  • We offer loans from €250-7500 over 6-60 months at a personalised APR between 8.3% and 42.6%