We know that season tickets are a big financial commitment, and we are continuing to partner with Capital Credit Union (CCU) to help allow you to spread the cost of your season ticket.
Thanks to CCU, supporters will be able to split the payments of their Season Ticket across 7, 8, or 9 months. A low APR of 11.6% is applied to the total price of your Season Ticket (total basket value) and will be split equally across the payment term that you select.
Please note, St Johnstone Football Club acts as a credit broker not a lender and will introduce you to our finance partner, Capital Credit Union (CCU), to complete your application for finance. CCU are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm reference number 213575. Subject to status and affordability. Terms and conditions apply.
If you wish to take up the finance option via CCU please use the promotional code FINANCE25 to zero your basket. Before you do this, it is important that you take a note of your total order. On the confirmation page we ask that you click on the link to take you to CCU’s application page to complete the payment process.
REQUIREMENTS
- 18 years old or older.
- Able to make regular payments by direct debit.
- In regular employment (minimum 16 hours per week). This includes self-employment, or in a permanent residence with your spouse/partner who is in regular employment*
- Have a credit card or debit card in your name and registered to your address and have a bank or building society current account.
- A permanent UK resident who is a season ticket holder with St Johnstone. Finance is subject to status. Terms and Conditions apply.
You will need to complete a full finance application, which can be done online (this can include a credit check and ID check)
Finance is provided by Capital Credit Union (CCU), a passionate and award-winning community-owned bank, who prioritise members over profit. CCU was established in 1989 and is one of the largest ethical finance providers in the UK, with over 32,000 members and assets of over £42m. Capital Credit Union is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 213575)
CCU are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm reference number 213575. Subject to status and affordability. Terms and conditions apply.
Supporters who sign up for the Capital Credit Union instalment plan should read the following important information regarding your application.
ADULT EAST STAND SEASON TICKET
9-MONTH PLAN
- Loan Advance – £355
- First Repayment Instalment – £41.38
- Subsequent Repayment Instalments – £41.38 Number of Payments – 9 Frequency of Payments – Monthly
- Representative APR – 11.6%
- Annual Rate of Interest – 11.6% Total Charge for Credit – £17.38 Total Amount Payable – £372.38
Supporters who sign up for the Finance Option with CCU should note that if you default on 2 consecutive payments, your season ticket(s) will be placed on hold and access to McDiarmid Park temporarily revoked.
Manual card payments will be required to bring your account back up to date and you can do this via CCU’s secure online banking portal/app or by contacting contactus@capitalcreditunion.com or by calling 0131 225 9901. Payment dates are non-adjustable.
CCU Key Dates
Below are the key dates for applying for finance and the terms available.
9-Month Instalment Plan
Deadline Date to Renew: Tuesday, 17th June 2025
1st Payment: Tuesday, 1st July 2025
8-Month Instalment Plan
Deadline Date to Renew: Monday, 14th July 2025
1st Payment: Monday, 4th August 2025
7-Month Instalment Plan
Deadline Date to Renew: Monday, 18th August 2025
1st Payment: Monday, 1st September 2025
How to Apply
Supporters wishing to apply for finance to pay for their season tickets will be required to do so online. We are unable to process any finance applications via the ticket office.
Follow the steps outlined in the FAQs to renew/purchase your 25/26 season ticket.
When you reach the checkout stage, use the promo code ‘FINANCE25’ in the discount code box and click on ‘Add Code’. This will zero your basket total so please make a note of the amount due, as you will need this for making the Finance application.
Fill in all the required details and click on the ‘Submit’ Button at the bottom of the page. This will automatically submit your season ticket purchase and your seat will be secured.
You will now be required to make the application to CCU and this can be done by clicking on the link contained in your confirmation email.
The link will also appear on the screen within the payment success message when you submit your season ticket purchase. Please ensure that you have a note of the amount due and your order ID number as you will need both for the application process.
Once you click the link for CCU, complete the application in full and submit. Once we have received confirmation from CCU that your application has been successful, we will then confirm your season ticket.
PLEASE NOTE: If you are applying for the loan on behalf of someone else, please ensure you enter the name of the person (season ticket holder) in the additional information box on your application form.
Any queries regarding the Finance application should be directed towards CCU.
CCU Email- contactus@capitalcreditunion.com
CCU Phone- 0131 225 9901.
St Johnstone Football Club Limited acts as an Introducer Appointed Representative, registration number no. 743954, and will introduce you to Capital Credit Union Limited to complete your finance application. Subject to status and affordability. Terms and conditions apply.
