We offer fair, flexible loans designed around your needs — with no hidden surprises. When you borrow with us, you can feelconfident knowing exactly where you stand.

Why borrow with us?

• No arrangement fees or hidden charges
• No penalties for early repayment
• Affordable interest rates — you only pay interest on what you owe
• Decisions made by real people, not automated scorecards
• FREE loan protection insurance (subject to terms and conditions)

Our Loan Options

We offer a range of loans including rewarding members who save regularly and borrow responsibly.

Standard: 

Once you have saved regularly with us for a minimum of 3 months, all adult members are eligible to apply for a Standard loan of up to £7,500.  Members can usually borrow up to 2x the amount of their savings.  The interest payable is 2% per month (26.8% APR). 

Loyalty: 

Once you have successfully had a standard loan with us and repaid within the agreed timescale, you are eligible to apply for a Loyalty loan of up to £7,500.  Members can usually borrow up to 3x the amount of their savings.  The interest payable is 1.75% per month (23.1% APR). 

Loyalty Plus, 

Once you have successfully had a Loyalty loan with us and repaid within the agreed timescale, you're eligible to apply for a Loyalty Plus loan of up to £7,500,  The interest payable is 1.5% per month (19.6% APR).  

Rewarding Your Loyalty

The more you borrow and repay with us, the lower your interest rate becomes:

• Loan 1 & 2: 2% per month (26.8% APR)
• Loan 3 & 4: 1.75% per month (23.1% APR)
• Loan 5 onwards: 1.5% per month (19.6% APR)

Your borrowing limit also increases:

• Loans 1 & 2: up to 2x your savings
• Loan 3 onwards: up to 3x your savings

Simple to Get Started

To apply, you’ll need to be a member and save regularly for at least 3 months. Joining is free and can be done online in minutes.

Flexible Repayments

Loans are available for up to 36 months and can be tailored to suit your budget.

Loan Guide & Calculator

Use our loan calculator below to get an idea of your repayments:

• Choose your loan type
• Enter the amount you want to borrow
• Select your repayment term
• See your estimated monthly repayment and total cost

Please note: All figures are illustrative. For a personalised quote, please contact us directly.

All loans are subject to status and lending criteria.