Fair rates, no arrangement fees, no early repayment penalties - and every decision made by people, not just algorithms. New customers can apply first and join later.
New to us? Use the slider and join as part of your application. Already a member? Skip straight to a prefilled Quick Loan.
Choose how much you'd like to borrow and over how long, then apply straight away - you can complete your membership as part of the application.
The fastest way for members to borrow - find your account or log in and we'll prefill your details for you.
Already have a loan with us? You can apply to top it up - the date you become eligible to top up is shown in the members' area when you log in.
Representative example shown in the calculator. All loans are subject to status and affordability checks.
A one-off loan for a specific plan, or flexible credit on a card for everyday life - borrow the way that suits you, at a rate you can afford.
Our most popular loan for life's plans - home improvements, a car, a wedding or consolidating more expensive debt.
Check repaymentsSecured on your savings, so you borrow at our lowest rate while your savings stay intact and your dividend keeps growing.
Check repaymentsDesigned for everyday family costs - school uniforms, appliances, car repairs - with Child Benefit accepted as income.
Check repaymentsA debit card for any checkout that accepts Mastercard - with the option to spread payments over the months ahead, backed by revolving credit.
Discover Budget Booster†APRs shown are representative and illustrative, for the demo only. We will never charge more than 42.6% APR - the maximum rate a credit union can charge by law. Interest is charged on the reducing balance, so you only pay interest on what you still owe. All loans are subject to status and affordability checks.
You're only ever charged interest on what you still owe - so every repayment brings the cost down.
No arrangement fees, no early repayment charges. Pay your loan off early and you'll simply pay less interest.
Eligible loans come with free loan protection insurance, so your family isn't left with the debt if the worst happens.
If a computer says no, our loans team takes a proper look. We lend responsibly, based on your real circumstances.