LOANS

Click here to apply for a loan

 

Credit Unions promote responsible lending and do not lend more than you can afford to repay.

Credit Union interest rates are capped which makes us considerably cheaper than many lending options

We often lend where mainstream lenders won’t.

  • Quick and easy online application
  • Clear interest rates which are fixed
  • No application or early repayment charges
  • You can grow your savings as you reduce your loan balance
  • Weekly, Fortnightly, 4 weekly and Monthly repayments available to suit you

All loans are subject to status and meeting our lending criteria.

 

Click here to apply for a loan

 

Our lending products

Take a look at our products and rates below. You already know we’re miles cheaper than Payday and Doorstep Lenders, but did you know we can also beat the Bank rates?

For people with poor credit history who are looking to build their rating.
Ideal for people who:

£100 – £3000 at 42.6% APR
  • are on the voters roll
  • Have an income of at least £130 per week in total
  • have fewer than 2 CCJs outstanding
  • owe CCJs for less than £1000
  • have not been declared bankrupt in the last year
  • are not in a debt management plan*

For people with poor credit history who are looking to build their rating.
Ideal for people who:

£2000 – £4999 at 19.6% APR
£5000 – £8000 at 12.6% APR
  • are on the voters roll
  • Have an income of at least £130 per week in total
  • have fewer than 2 CCJs outstanding
  • owe CCJs for less than £1000
  • have not been declared bankrupt in the last year
  • are not in a debt management plan*

This loan is not secured upon your property

£1000 – £2999 @ 17.5% APR

£3000 – £4999 @ 14.7% APR

£5000 – £7499 @ 8.3% APR

£7500 – £15000 @ 6.2% APR

Ideal for people who:

  • Have a good credit history
  • Have not had a CCJ or default in last 3 years
  • Have been at the same address for more than 3 years
  • Want to make penalty free over or early repayments
  • Have been with the same employer for more than 3 years*

£1000 – £2999 @ 17.5% APR

£3000 – £4999 @ 14.7%APR

£5000 – £7499 @ 7.4% APR

£7500 – £15000 @ 6.2% APR

Ideal for people who:

  • Work for our Payroll Partners
  • Have a good credit history
  • Have not had missed payments in the last year
  • Have a history of managing credit well*

*please note that meeting these does not guarantee acceptance

 

Have more questions? Check out our Loans FAQ for more info!

 

For tips on how to improve your credit score visit our Credit Score Page

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