ClearDebt gives you your very own Credit Union

Join the Clearly Money Credit Union from ClearDebt and DotCom Unity. A Credit Union is a viable alternative to payday loans.

ClearDebt has worked with DotComUnity to create a Credit Union to help people in ClearDebt IVAs, Abacus Debt Management Plans and, in fact, anyone with money worries.

The ClearlyMoneySense Credit Union  gives you access to accounts that can set money aside to ensure you meet your regular bills (like mortgage, rent and council tax) help you meet any recent arrears owed to utility companies and have “rainy day” money in the case of a small financial emergency.

ClearlyMoneySense Credit Union is  a real alternative to a high street bank current account. Saving with us will help restore your long-term credit rating and will even provide access to small short-term loans (in the unlikely event you might need one) in place of payday lenders.

ClearDebt does not own the Credit Union – you do! Our role is to make this possible as part of our commitment to the people who choose ClearDebt and Abacus as their way out of money worries.

Open an account that counts with DotComUnity and ClearlyMoneySense

Join the ClearDebt credit Union

Why join a Credit Union?

Credit Unions are small non-profit financial organisations set up by members with something in common to benefit their community. They provide a financial community, where members mutually benefit as there’s no profit for third party shareholders. Independent website, Money Saving Expert, explains Credit Unions:

This can mean helping those who can’t get access to ordinary bank products; a lifeline in less well-off communities for folks grappling with their finances. They also appeal to those who want to bank ethically and benefit their community. Once you’re a member, you can become involved in decision making and if you become interested in how it all works, you can often help run it too.

ClearlyMoneySense is a DotComUnity Branch, promoting DotComUnity Membership and giving you full access to products and services which will help you manage your money and save for the future in a way which suits you.

Open an Account that Counts Sign up now


We understand that whilst payday loans are not encouraged in an IVA, some people still use them out of necessity. If you desperately need a loan, we are confident that you will get a much better deal from your Credit Union than you would from almost any commercial loan provider. 

The Credit Union provides you with a safe, ethical alternative to a payday loan. We can now provide you with access to much needed loans, enabling you to borrow and pay back the loan at an affordable rate.

In addition to loans, the Accounts available through your Credit Union will allow you to save your IVA contingency money so that, it’s possible, you might never even need a loan. However please discuss with your Supervisor that you require such a loan.

The Everyday Account

Allows members to manage their incoming and outgoing money on the go, enabling you to budget effectively.

Enjoy the following key features and more:

  • Bank Transfers
  • One off bill payments
  • Salary/Benefit payments
  • Jam Jar account transfers
  • Transfers to connected Prepaid card

The optional Prepaid Visa card offered to you from your Credit Union can be connected with your main Credit Union account, such as the Everyday Account. Available for a one off fee* the card enables you to make cash withdrawals, gain cashback and use as a payment tool wherever the Visa sign is displayed.

For more information, please click here to visit our website.

You can sign up to our credit union now or call our team on 0161 241 4505.

*Charges are made for the following in connection with the Prepaid card:

50p for card loading
75p for cash withdrawals from ATM machines

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