Background
In what is a rst for the industry, Hibernian Football Club teamed up
with Capital Credit Union to offer affordable nance to its fanbase.
During the cost-of-living crisis, football fans are grappling
with escalating expenses, including rising prices for essentials
such as housing, utilities, and groceries. These nancial
pressures often impede their ability to aord discretionary
spending, such as football season tickets. The nancial
burden becomes even more acute for families who wish
tobuy multiple season tickets.
Managing season ticket loans and chasing up outstanding
payments can be both time-consuming and resource
intensive, especially for football teams with limited stang.
By oering aordable season ticket nance, fans can
avoidmore expensive ways to pay o their season tickets,
such as credit cards or other high-interest providers.
Ben Kensell, Hibernian Football Club CEO said:
“Over the last two seasons, Capital Credit Union have been
incredible to work alongside. The partnership gives our
supporters greater exibility to pay o their season ticket
in manageable instalments.”
Fair Fan
Finance
Season tickets purchased
through low-cost nance:
Capital Credit Union
Membership:
Availability:
1,200
29,000
All SPFL teams
In a groundbreaking
collaboration, Hibs and
Capital Credit Union have
led the way in making season
ticket nance aordable
and accessible.
Ben Kensell,
Hibernian Football Club, CEO
Key Challenges
0131 225 9901 | contactus@capitalcreditunion.com | capitalcreditunion.com |
“With a successful season of providing aordable season ticket nance to Hibs supporters behind us, we’ve enhanced our
digital platform, giving us the capability to oer aordable season ticket nancing options to every Scottish Professional
FootballClub.” Marlene Shiels, CEO of Capital Credit Union
The solution seamlessly integrates with the Ticketmaster
platform and enables fans to pay for their season ticket in
instalments of 8, 9, 10, or 11 months. With no hidden
administrative charges or early repayment penalties, season
ticket loans are protected by Capital Credit Union’s Loan
Protection Insurance.
Fans who take up the nance option through Capital
CreditUnion also become a member, this gives them
access to a competitive suite of products including savings,
loans, and mortgages.
Capital Credit Union encourages all its members to build
nancial resilience and all the frontline sta are trained
to act as Money Guiders.
Get in touch
0131 225 9901 | contactus@capitalcreditunion.com | capitalcreditunion.com |
Loan Application Process
Capital Credit Union can integrate with a variety of ticketing platforms. Once set up, it only takes a few simple steps
for a football fan to apply for season ticket nance online.
1 3
42
Fan completes
online membership
application
Fan signs nance
agreement
CCU completes
background checks
Funds transferred
to Football Club
The Solution
We can now oer aordable
season ticket nancing
options to every Scottish
Professional Football Club.
Marlene Shiels
Capital Credit Union, CEO
Hibs and Capital Credit Union, bound by shared
values, have collaborated on various community
engagement initiatives.
Capital in the Community
By becoming a member, football fans can help their local
communities. Every month Capital Credit Union supports
local charities and community groups across Scotland
through “Capital in the Community”.
Hibs Cash
Hibs and Capital Credit Union partnered with each other to
deliver a six-week nancial education programme tailored
for primary 6-7 pupils on how to be money smart and safe.
Workshops were held in local schools and focused on
essential topics such as distinguishing between needs and
wants, budgeting eectively, safeguarding nances, and
preventing fraud.
11,10 0+ season tickets sold
1,200+ purchased through
Capital Credit Union
29,000+ members
and growing across Scotland
Results
In the 2023/24 season Hibs had a
record year for season ticket sales.
Over 11,100 season tickets were
sold, with over 1,200 purchased
through Capital Credit Union.
0131 225 9901
contactus@capitalcreditunion.com
capitalcreditunion.com
Get in touch
Community Engagement