We are an ethical lender, here to provide low-cost loans – our interest rates are extremely competitive. The loan rates you see advertised are fixed and will not change based on your circumstances – we price the loan, not the member.

Our standard loan rates run from 15.9% APR – 5.9% APR depending on amount borrowed.

There are no set up costs and no early repayment charges.

Loan applications are reviewed by our experienced loans team, we do not lend via “automated” decisions, meaning your application receives that fair, personal touch. It also means we can help those who may be unable to access mainstream or affordable credit options.

You can apply for a top-up loan even if you are still repaying your last loan – the new loan is just added to the existing balance. Our loans range from £100 to over £10,000 and we can lend unsecured loans between 1 -10 years.

In order to comply with responsible lending regulations, loans are not allowed to be guaranteed. Loans Department may also refer to a Credit Referencing Agency during their decision making.

How to apply

If you would like to apply for a standard loan, you can download a loan application form here. If you are unable to print this off please call the office and we can post one to you. If you are local, you can always pop into our office and complete there and then. If you would like any further information, please call us on 0141 221 7474.

download form