We know that season tickets are a big financial commitment, and we have made the decision to reintroduce Capital Credit Union (CCU) to help 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.
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 35,000 members and assets of over £42m.
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.
EXAMPLE – GEOFF BROWN STAND SEASON TICKET
9-MONTH PLAN
· Loan Advance – £445
· Monthly Payment – £51.86
· Representative APR – 11.6%
· Annual Rate of Interest – 11.6% Total Charge for Credit – £21.78
· Total Amount Payable – £466.78
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 (Early bird pricing runs until Tuesday, June 16) Deadline Date to Renew:
Tuesday, 16th June 2026 1st Payment: Once the loan application has been approved, direct debit setup may take up to 14 days.
8-Month Instalment Plan Deadline Date to Renew:
Tuesday, 14th July 2026 1st Payment: Once the loan application has been approved, direct debit setup may take up to 14 days.
7-Month Instalment Plan Deadline Date to Renew:
Tuesday, 18th August 2026 1st Payment: Once the loan application has been approved, direct debit setup may take up to 14 days.
Please note that interest will accrue from the date the loan is paid out to the football club.
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. On Fanbase, follow these instructions:
- Claim your reservation or choose your seats and ticket types.
- Select any add-ons you’d like to include. PLEASE NOTE: Any add-ons you choose must be paid for at the point of purchase and will not be included in your finance application.
- In the payment section, click “Do you have a promo code?” and enter the code FINANCE26.
- If you have not selected any add-ons, click “Place Order.” If you have selected add-ons, click “Pay Now” and enter your payment details.
- Follow the instructions provided here to apply for finance.
Once you have chosen your ticket through Fanbase, fans should login to CAPITAL CREDIT UNION.
Fans who used Capital Credit Union last year should click on EXISTING MEMBER, and fans using Capital Credit Union for the first time should click on NEW MEMBER.
Fans can view the CCU ONLINE GUIDE for information on how to apply for finance.
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.
