Credit Unions

Pros: Low cost loans for regular savers, free insurance on both savings and loans .

Cons: Maximum repayment for loans is 3years and car loans 5 years

Pros: Cheap interest on loans

Cons: some collection point time may be during the day

Pros: an easy way to save

Cons: none

Pros: Total control over your money

Cons: None

Pros: Easy and Quick to Borrow from

Cons: Most of them you have to save and repay

Pros: Save as you borrow and pay back

Cons: Limited membership can affect how much you borrow

Pros: Cheap loans, democratic .

Cons: Not available everywhere (but you could always start your own) .