Top Up Loans

Need to borrow extra? Top up your existing DCU loan

If you are looking to borrow extra in addition to your existing loan, you can apply to borrow up to £15,000 in total.

Achieve your dreams

We have helped thousands of our members achieve their goals through a top-up loan. Some of our most popular loans include:

  • Dream holidays
  • Cars
  • Home improvement
  • Household purchases
  • Christmas


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.


You can apply for a top-up loan:

  • 3 months after your previous application
  • 6 months after your application if you previous loan was your first loan with us

Key features:

Amount Borrow up to £15,000
Term From 6 months to 5 years
Interest Interest rates range from 16.08% - 42.58% Representative APR
Same day payment Sign your loan agreement before 3pm 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.

Apply Now