Personal Loans for any productive purpose

The benefits of borrowing from us:

•     No arrangement fees or hidden charges
•      No penalty for early repayment
•      Affordable interest rates - only pay interest on what you owe
•      All our decisions are made quickly and based on your individual                 
  
•      Decision are made by a committee, not a computer scorecard.
•      You can apply online 24/7
  
•      A repayment to suit you and allow you to save while repaying
•      Free Loan Protection insurance*

 Interest on unsecured loans range from 0.75% - 3% per month or 9.4% - 42.6% APR. Loans are based on the ability to repay and on how your account with us operates.  All loans are assessed individually and are not based on a computer decision.  Your loan desicion will be based on the information you provide.

How to Apply

Apply online for an Unsecured loan. You may require proof of income and proof of address, in the form of a Bank Statement showing income and outgoings.  This will be requested by the Loan Officer when assessing the loan.  We endeavour to pass loans within 2 working days.

Secured Loans when loans are totally secured, shares up to the value of the loan will be attached.  We do not require proof of income or outgoings for these loans.  A secured loan can be passed on application. Interest rate 0.50% per month = 6.2% Apr.

First Loans may require an interview.  A loan officer will be able to answer any questions you may have and also to  work out a repayment plan for you that will allow you to save while you repay the loan. A recent bank statement may be required when applying for any loan that is not secured.

Flexi Loan is available to members who have been saving and borrowing for over 6 months. It is a loan with a limit set that they can dip in and out of when they need to, and there is no need to complete an application form to get it.