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 £7500 in total.

New Members APPLY HERE

Existing Members APPLY HERE
Existing members should apply for a loan via our online banking/mobile app

Achieve your dreams

If you already have a loan with us you may apply to top-up this loan to a maximum of £7500 at any time.

We prefer you to wait a minimum of three months between applications but we understand that circumstances may mean an earlier top-up is needed.

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.