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Apply For A Loan
You have to be a member to be eligible to apply for a loan with us.
What you need when applying for a loan
You can apply for a loan by completing a loan application in the office or by applying online.
YOU CAN APPLY FOR A LOAN VIA THE MEMBER'S AREA SECTION OF THIS SITE HOWEVER IF YOU ARE USING A MOBILE DEVICE THIS OPTION WILL NOT BE AVAILABLE TO YOU. YOU WILL NEED TO COMPLETE YOUR APPLICATION ON A LAPTOP OR A PC.
We will need to confirm your income (wages and/or benefits) so the last 3 months bank statements or your most recent Post Office statement will be acceptable. If you are not already a member you will also need to supply proof of ID and address. Please contact us for our up to date ID checklist for full details of what to bring.
For a complete guide about the way we use your details click here or if you have any queries give our staff a ring on 01874 620104.
What happens after you have applied for a loan
Loan applications are generally turned around in 48 hours although in times of high demand this may take longer. You will receive a text message once we have your loan decision.
In deciding whether or not to grant the loan the loans officer/committee will take into account your ability to repay the loan. This is subject to a thorough assessment that includes your past experience of credit and other factors.
All borrowers also have to save a minimum sum of £1, £2, or £3 (or monthly equivalent) in an attached share account, as a condition of the loan. This savings account is "locked" until the loan is paid off, and helps us to lend to other members. It's also a nice bonus for you when you have finished paying your loan.
Don't forget that you are borrowing your fellow members' money - never apply to borrow if you're not completely committed to repaying their trust in you.
As you'd expect all loans are subject to status and approval.
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority 213604
* The interest rate you pay, and the amount you are able to borrow may vary depending on your saving and loan record with the credit union.
* All figures given on this website are for your general information only, and give a rough guide to loan repayments. Any statements on this website do not purport to be authorative or legally binding.
* All information contained on this web page is correct at time of publishing. The Credit Union accepts no responsibility for errors due to changes in rates or offers which have occurred after this date. You are advised to check with our offices for up-to-date rates and offers.