Saving on train tickets

WHY A LOAN?

Regular travellers who need to get to work using Thameslink or other train operators, know how expensive it is; the solution to save money in this case remains that of the classic season tickets.  An annual season ticket is certainly useful to save on the tickets’ cost, but, for many people, the price is just too much to afford at one go and so they have to settle for monthlies or weeklies.

St Albans Credit Union can help commuters to save a lot of money by using a Loan.  If you take the train into London or Watford from Harpenden or St Albans and buy weekly or monthly season tickets, the St Albans Credit Union can save you HUNDREDS of pounds.

WHAT TO DO

You should apply for a Loan from St Albans Credit Union online (or at the office) then, assuming loan is given, buy your Annual Season ticket in the usual way and start saving.

We’ve calculated the annual savings for you on the Harpenden-London and St Albans-London route (other routes have equivalent savings).

Calculator:

Harpenden to Zone 1-6

Total Year cost 50 x weekly: £6195
Total Year cost 12 x monthly: £5710
Annual Season Ticket cost (including Loan): £5284

Saving by taking our loan and buying an Annual: 

Total Year saving compared to buying 50 x weekly: £911 (c.15%)
Total Year saving compared to buying 12 x monthly: £426 (c. 7.5%)

St Albans to Zone 1-6

Total Year cost 50 x weekly: £5830
Total Year cost 12 x monthly: £5374
Annual Season Ticket cost (including Loan): £4973

Saving by taking our loan and buying an Annual: 

Total Year saving compared to buying 50 x weekly: £857 (c.15%)
Total Year saving compared to buying 12 x monthly: £401 (c. 7.5%)

(All loans are subject to status)

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