Borrow between £100 and £5,000 with fixed monthly repayments.
A flexible loan for larger expenses, repaid in fixed monthly instalments.
Borrow £100–£1,200 at a fair rate, with repayments taken directly from your benefits or pension.
Borrow against your savings with us at just 4.5% APR.
Borrow up to £600 (up to £1,200 on future loans) when your child benefit is paid into your credit union account.
Combine credit cards, overdrafts, and other loans into one fixed repayment.
Borrow up to £25,000 for any purpose when you own your own home.
No hidden fees or spiralling interest—just a fixed monthly repayment you can plan for.
Our rates are typically much lower than credit cards or overdrafts, so you keep more money in your pocket.
Repayments are taken care of automatically from your salary, benefits, or Direct Debit—no risk of forgetting or overspending.
Unlike revolving debt, every repayment brings you closer to being debt-free, while also building up savings along the way.
Our loans are available to people who live, work, or study in our common bond area, as well as employees of our partner organisations. They can be used for things like cars, home improvements, consolidating debts, or other everyday needs. If you’re not already a member, you can join at the same time as you apply.
No. We use a ‘soft’ credit search when you apply, which is only visible to you and doesn’t affect your credit rating. A full credit check is only carried out if your loan is approved and you decide to accept it.
The amount depends on your circumstances, such as income and affordability. Many new members start with a smaller loan, and as you build savings and a repayment record with us, your borrowing limit can grow over time.
Most applications are reviewed within a few working days, and straightforward ones may be decided faster. If we need more details, we’ll let you know, and you can track progress at any time through our online loan tracker.
Repayments can be taken straight from your salary with many local employers, from your benefits, or by Direct Debit. This makes repayments simple and stress-free, with no need to remember monthly payments.
Yes. You can repay your loan in full or make extra payments at any time without penalties or hidden charges—and doing so could save you money on interest.
No. Savings aren’t required to apply, but we’ll encourage you to set a little aside each month as you repay. By the time your loan is finished, you’ll also have a savings pot to fall back on.
Yes, you may still be eligible. We don’t just look at your credit history—we focus on affordability and your ability to repay. This means we can sometimes help where other lenders won’t.
Once your loan is approved and you’ve signed the agreement, funds are normally in your bank account within one working day. We’ll confirm as soon as the payment is sent.
If we can’t offer you a loan, we’ll explain why and suggest ways to improve your chances in future. You can reapply once your situation has changed, for example by building savings or showing steady repayments.
You may still be able to borrow. We’ll look at your full financial situation, including benefits or pensions, to make sure repayments are affordable. Our goal is to offer loans that support you without adding extra pressure.
