Season ticket payment finance options
We are delighted to be working with Capital Credit Union to offer an affordable finance option for our supporters.
Through CCU, supporters will be able to split the cost of their season ticket over a maximum of 9-month term. 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 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.
Supporters who sign up for the Capital Credit Union instalment plan should read the below important information regarding your application. Please note that the Capital Credit Union instalment plans can only be used online at the purchase stage, we are unable to process any finance applications via the ticket office.
CCU Representative Example- 8 Month Plan
- Loan Advance - £355
- First Repay Instalment - £46.33
- Subsequent Repay Instalments - £46.33
- Number of Payments - 8
- Frequency of Payments - Monthly
- Representatives APR - 11.6%
- Annual Rate of Interest - 11.6%
- Total Charge for Credit - £15.62
- Total Amount Payable - £370.62
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: 5pm, Wednesday 20th June 2024
- 1st Payment: 1st July 2024
8-Month Instalment Plan
- Deadline Date to Renew: 5pm, Wednesday 17th July 2024
- 1st Payment: 1st August 2024
7-Month Instalment Plan
- Deadline Date to Renew: 5pm, Wednesday 21st August 2024
- 1st Payment: 1st September 2024
6-Month Instalment Plan
- Deadline Date to Renew: 5pm, Wednesday 18th September 2024
- 1st Payment: 1st October 2024
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 24/25 season ticket.
When you reach the checkout stage, use the promo code ‘Finance24’ 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.
Any queries regarding the Finance application should be directed towards CCU.
CCU Email- contactus@capitalcreditunion.com
CCU Phone- 0131 225 9901.