A better way to borrow

A better way to borrow

Your personal loan for your purpose.

A dream holiday, home improvements, a car upgrade, or even covering the cost of a wedding – no matter what your goal is, we can help.

Borrow between £500 and £25,000 over terms of up to 7 years. With low monthly repayments to suit your budget, we have a loan to meet your needs. 

Unlike most other lenders, we don't rely on computers to make our lending decisions. Each loan is personally assessed by one of our team to ensure repayments are affordable. 

Once you become a member, apply for a loan in app, online or by phone. 

Personal Loans

Borrow between £500 and £25,000 with fixed monthly repayments over a choice of terms up to 7 years.

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Loan amount

£7500

APR

Loan term Monthly repayment Total repayment
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Loans are only available to qualifying members aged 18 and over and you must save at least £10 a month in addition to your loan repayment. All loans are subject to you meeting our lending criteria and other terms and conditions apply.

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How to apply

Become a member

- Complete our online application to join.

- Create your Login details.

- Receive our Welcome Letter to your home address; this will include your unique member number and Activation Code.

Apply for a loan

- Download our mobile app and Login details.

- Input the Activation Code from our Welcome Letter to verify your account.

- Apply for your loan.

Receive your Decision

- You will receive a decision by email, usually within 1 working day.

- If approved, we’ll email you the loan agreement to review and digitally sign.

- We'll then send the funds directly to your nominated bank account same day.

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Why borrow with us?

Our loans are exclusively available for our members. You must be aged 18 and over and save a minimum of £10 per month to your Member Savings in addition to your loan repayment. 

Benefits of borrowing with us include competitive interest rates, no repayment fees and fixed repayment structure. 

All of our loans are subject to status and meeting our lending criteria, and in some cases, we may need you to provide us with more information so we can make a decision.

If you have difficulty repaying your loan, our Financial Wellbeing Hub explains some of the options available to you.

  • Flexible loan amounts

    Depending on your requirements, borrow between £500 and £25,000. Eligibility criteria applies.

  • Competitive interest rates

    We offer transparent and competitive market rates, which won’t increase after application.

  • Fixed repayment structure.

    Choose your loan repayments over a flexible term

  • No early repayment fees

    If you wish to pay off your loan early, you won’t be charged early repayment fees.

Frequently Asked Questions