Salford Credit Union Limited

Reference number: 213304

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

What the FCA says

Deferred Payment Credit (Buy Now Pay Later) - temporary permission

This firm has temporary permission to provide Deferred Payment Credit (Buy Now Pay Later) agreements. This means it’s considered authorised by the FCA, but it hasn't been assessed against the standards required for full authorisation. The firm still has to follow our rules and guidance, and if consumers have a complaint about a Buy Now Pay Later agreement, they can contact the Financial Ombudsman Service if they’re not happy with the response they get from the firm.

  • This firm is operating under temporary permission while it seeks full UK authorisation. What it is permitted to do could change.

Identity

Check their details

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Hold or safeguard your money · Handle payments & transfers FSCS may apply
    Eligible deposits are typically protected by the FSCS up to £120,000 per person, per banking group.

    Check your FSCS cover →

  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
Show FCA detail (3 permissions)
  • Accepting Deposits
  • Entering into regulated deferred payment credit agreements as lender
  • Exercising, or having the right to exercise, the lender’s rights and duties under regulated deferred payment credit agreements

Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

FCA actions and complaints

No FCA disciplinary action, and no complaints recorded with the Ombudsman.

Previously registered as

The FCA register holds 2 earlier registered names for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • Mandley Park Savings and Credit Union Limited
  • River Valley Credit Union Limited

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Common questions

Frequently asked questions

Is Salford Credit Union Limited FCA authorised?
Yes, Salford Credit Union Limited (FRN 213304) is authorised by the FCA to carry out regulated activities.
Is my money safe with Salford Credit Union?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Salford Credit Union to the Financial Ombudsman Service, free of charge.
Is Salford Credit Union a scam or clone?
Salford Credit Union is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is Salford Credit Union's Firm Reference Number (FRN)?
Salford Credit Union's FRN is 213304. You can verify it on the FCA register.