Personal Loan

Borrow up to £7500 between 0 - 5 years

Whatever your plans may be, we can help make your dreams a reality with a personal loan. Receive a simple, helpful, and personal service and know that your application is assessed like it should be - by humans, not by computers.

We keep our interest rates simple so that you will know what rate you will get before you apply. Please note that for existing members your existing loan plus requested amount equals the total loan. Interest rates on existing loans will not change unless a top-up is requested.

Loans under £2000 – 42.58% APR
Loans from £2000 - £4999 – 26.82% APR
Loans from £5000 – 16.08% APR

Representative example: £1000 loan over 12 months. 12 payments of £101 per month. Rate of interest 42.58% APR. Total amount payable £1203.93.

New Members APPLY HERE

Existing Members APPLY HERE

Key features:

Eligibility You must be 18 years of age or older and live or work in the DL, DH, HG, NE, SR, TS or YO postcode area
Amount Borrow up to £7500
Term From 6 months to 5 years
Interest Loans under £2000 – 42.58% APR
Loans from £2000 - £4999 – 26.82% APR
Loans from £5000 – 16.08% APR
Same day payment Sign your loan agreement before 3 pm and have access to the funds the same day
Repayments Loans can be repaid weekly, fortnightly, or monthly depending on which one suits you best
Save as you Borrow We believe in saving as you borrow so as part of your agreement, repayments will be split between your loan and savings. This means that after you have repaid your loan, you will have built-up savings to use as you wish
Early repayments There are no fees for early repayments


Taking out a loan is a big decision. If there is anything that you would like to speak to us about with regards to our loans, get in touch. We will always be happy to talk to you.

Repayments Calculator

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Please be aware that this is not a loan offer and the figures quoted in this document are based on the Representative APR which may differ from the actual APR you qualify for after we have conducted a credit search. As a result, this should only be used as an indicative illustration.

The calculator is for illustration purposes only. Rates may be withdrawn at any time. We reserve the right to refuse any application.

Budget Calculator

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