Astra and James urgently need a loan to help them buy a new carpet before their newborn twins come home. They turn to the Newport credit union in south Wales who loan them the money and help them save for their children, so their money will grow with them. In Dunoon, western Scotland, Karen and Allan needed £25,000 to set up their fish and seafood smokery, which is now enjoyed by royalty. While a £1,500 overdraft may not seem like a life-changing amount of debt, for student Molly, who couldn't find work after graduating, it made her homeless and forced her to be apart from her son. A loan from a Credit Union in Cardiff saw her learn to drive and enabled her to find work further afield.