Payroll deduction

Welcome to Bradford District Credit Union’s payroll deduction scheme, a simple and effective way to manage your finances directly from your salary.

With life’s constant hustle, we understand the challenge of balancing work and personal finances. That’s why we’ve partnered with local employers to bring you a solution that effortlessly fits into your busy lifestyle.

Join over 4,000 staff across 34 companies who are already benefiting from our services, collectively saving £5 million and borrowing £2.5 million. By choosing our scheme, a portion of your salary can automatically go towards your savings or loan repayments before it even reaches your bank. This means you're saving or repaying without a second thought – it's saving made simple with access to low cost loans!

Not only does this method make saving effortless, but it also helps you build a safety net against unexpected expenses, ensuring you're financially prepared for whatever life throws your way - whist helping the financially vulnerable in our communities.

We’re here for everyone in Bradford, Kirklees, and Craven. It doesn’t matter where you live; if your employer is a partner in our payroll scheme, you're eligible to join.

Check to see if your employer is listed below. If it’s not, let us know, and we’ll reach out to them.

Let’s make managing money easy and secure, together.


  • Painless

    Savings and loans payments are deducted from your salary before you are paid.

  • More loan options

    If you are on a payroll deduction scheme, we are more likely to approve a loan (subject to normal eligibility requirements).

  • Peace of mind

    No direct debits or standing orders to bounce.

Accent Housing Association
Airedale Hospital NHS Trust and AGH Solutions
Bradford College
Bradford District Care Trust
Bradford Teaching Hospitals
Bradford University
Carers Resource
Council Bradford
Council Kirklees
Exceed Academy Trust
Horton Housing Association
Manningham Housing
Sovereign Health
Sure Start
Trident/ BetterStart
West Yorkshire Pension Fund


Bradford City Council

I needed a loan in a hurry and having saved through their payroll savings and loans scheme, I was able to pay back my loan from my wages. I can't recommend this service enough

Are you an employer?

Partner with us and offer Credit Union membership as a staff benefit

Help your employees organise their finances through Bradford District Credit Union. It is free and simple to offer these services to your staff through payroll deduction.

Furthermore, it's quick and easy to set up too and you won’t get involved in their money issues. As a result, you'll have peace of mind knowing that your staff are within a local financial support network and able to receive support should they need it.

Employees can save and make loan repayments direct from their salary and can:

  • Build savings and repay Bradford District Credit Union loans direct from their salary
  • Access competitive products and services, tailored to their needs
  • Earn a dividend on their savings when the Credit Union makes a profit
  • Improve their credit opportunities by subscribing to our money tips

Ready to find out more about saving with us?

Whether you're a member or not, it only takes a few minutes to start saving with us.