Introducing new finance options
We encourage the purchase of season tickets if you regularly attend matches because the savings made on walk-up prices are significant. However, we know season tickets are a big financial commitment and have introduced a new payment option that will allow you to spread the cost of your season ticket. This option can only be accessed if you are renewing your ticket online, strictly no sales through the Ticket Office.
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Capital Credit Union
We have partnered with Capital Credit Union to provide a simple and ethical finance option to help spread the cost of your season ticket.
To take advantage of this, you will need to be:
- 18 years or older.
- Able to make regular repayments by Direct Debit.
- In regular employment (minimum of 16 hours per week) including self-employment, or in a permanent residence with your spouse/partner who is in regular employment.
- Have a debit card or Credit Card in your name and registered to your address and have a bank or building society current account.
Finance is subject to status. Terms and conditions apply.
You will need to complete a full finance application (this may include a credit check) with Capital Credit Union, after you have provided your details for your season ticket.
Finance is provided by Capital Credit Union, a passionate and award-winning community-owned bank, who prioritise members over profit. Capital was established in 1989 and is one of the largest ethical finance providers in the UK, with over 29,000 members and assets of £44m. They are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.
Further, we continue to offer interest free payment plans if you do not wish to take up the finance option but would still like to spread the cost of your ticket. If you wish to renew your season ticket with finance in place, please visit the ticket office. This payment option will be spread over 4 months, with the first payment in July. Please note, if you have defaulted on a payment previously, you will not be eligible to use the standing order facility through the club.
Please note, Seasons Tickets bought through standing orders via the Ticket Office will be at Full Price, not the Early Bird Renewal price and can only be purchased from the ticket office.
Finance Option
If you wish to take up the finance option via Capital Credit Union (CCU) please use the promotional code CREDIT in order to zero your basket. Before you do this it is imperative 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.
PLEASE NOTE: If you are not planning to apply for finance then do not enter anything in the promotional code box. We will not be able to confirm your seat renewal until you have been through the application process for finance or paid in full. If you are unsuccessful in your finance application, please contact the ticket office to make alternative arrangements for payment in order to keep you seat secured.
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CCU Finance Option
We are delighted to be working with our new Club partner Capital Credit Union (CCU) to providing an affordable finance option for our supporters.
Thanks to CCU, supporters will be able to split the payments of their Season Ticket across nine, eight, seven or six 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 Mirren Football Club Limited acts as a credit broker not a lender and will introduce you to our finance partner, 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.
St Mirren Football Club Limited, The SMiSA Stadium, St Mirren Park, Greenhill Road, Paisley, Renfrewshire, PA3 1RU.
Supporters who sign up for the CCU instalment plan should read the following important information about your application.
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CCU Instalment Plan
- 9-Month Instalment Plan
- 1st Payment: 3rd June 2024
- Deadline Date to Renew: 5pm, Wednesday 22nd May 2024
- 8-Month Instalment Plan
- 1st Payment: 1st July 2024
- Deadline Date to Renew: 5pm, Wednesday 20th June 2024
- 7-Month Instalment Plan
- 1st Payment: 1st August 2024
- Deadline Date to Renew: 5pm, Wednesday 17th July 2024
- 6-Month Instalment Plan
- 1st Payment: 1st September 2024
- Deadline Date to Renew: 5pm, Wednesday 21st August 2024
Supporters who sign up for the Finance Option with CCU should note that if you default on two consecutive payments, your season ticket(s) will be placed on hold and access to The SMiSA Stadium temporarily revoked.
Any defaulted payments must be cleared at least 10 working days before the next payment date is due otherwise the next payment will automatically default resulting in your season ticket(s) being placed on hold. 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, by contacting contactus@capitalcreditunion.com or calling 0131 225 9901.
Continued failed payments will result in your season ticket(s) being completely cancelled and will affect your eligibility to use this scheme for next season. We are also required to report any non-payments to Credit Reference Agencies and this may impact your credit rating.
Payment dates are non-adjustable.
- 9-Month Instalment Plan
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CCU APR REPRESENTATIVE EXAMPLE
Loan Advance - £430.00
First Repayment Instalment - £50.12
Subsequent Repayment Instalments - £50.12
Number of Payments - 9
Frequency of Payments – MonthlyRepresentative APR – 11.6%
Annual Rate of Interest – 11.6%
Total Charge for Credit - £21.05
Total Amount Payable - £451.05
