Safe savings and affordable credit - Harrow - M4Money Credit Union

Welcome to M for Money Credit Union

For anyone living or working in Harrow
M for Money is a not-for-profit financial cooperative providing safe savings and affordable loans to members of the credit union. Unlike banks and other financial providers, M for Money is member-centred and member-led so their focus is not on making profits but providing the best service that they can for their members.


You can apply for Child Benefit loans, Christmas loans, Savers Loans to name but a few.

Savings accounts

From Junior Savings Accounts to Holiday Savings Accounts, you can start saving today.

Salary Saving Scheme

Employees who can pay to their credit union account by saving from their payroll can apply for an introductory loan of up to £2000 repayable over up to 60 months.

Salary saving also makes saving easy through our range of savings accounts to help you budget for Christmas, Eid, Diwali, Jewish Festivals, holidays or any other special occasion.

We have a payroll partnership with the following employers:

  • Harrow Council
  • Northwick Park Hospital
  • Hillingdon Hospital
  • Hillingdon Council
  • Uxbridge College
  • Slough Council
  • Buckinghamshire Council
  • Clinimed Securicare
  • Paradigm Housing
  • Frimley Park Hospital
  • Wexham Park Hospital

Why join M for Money Credit Union?

1. Owned and controlled by members so any surplus made goes back to our members as dividends.

2. Affordable loans with low interest rates.

3. We are ethical and provide a haven for members’ savings.

4. We are covered by the Financial Services Compensation Scheme, which protects savings up to £85,000.

5. We have a wide range of loan products and savings accounts to help you suit your financial needs.

Don’t just take our word for it, here’s what our members have to say:

Fair and reasonable rates

“If someone was looking to save with a financial institution with a social conscience, or if I was
aware of someone who was struggling financially, who may need to borrow money at a fair or
reasonable rate, I would be happy to recommend M for Money.”

Member, M for Money Credit Union

Lots of saving options

“As a working mum… I think most of the options are there in regard to saving and being able to access my money.”

A saving grace for me

“The reason why I joined M for money, it was actually a friend that introduced me. I was told about the child benefit loan and at the time I wasn’t working… it was like a saving grace because I needed to help my son financially at the time so that £500 on top of benefits was a great help and the way I was able to pay it back just using my child benefit was just amazing to me.”

More about M for Money Credit Union

Who we are

Why choose us

What is a credit union?