Apply for a loan

Unsure if you're eligible to apply for a loan? Please contact your nearest branch - a Loan Officer will provide further advice.

Click here to open our loan application form

If you have any difficulties using the above link please telephone your local branch where

a friendly loan officer will be happy to take a loan application over the telephone.


Which type of loan should I apply for? 

This will depend on your account status, requirements and our own lending policy. More information on each of our loan products is on our website:

  • Family Loan & Savings Plan - a great introduction to credit, more information here.

  • Saver's Loan - build up your own borrowing power, more information here.

  • Secured Loan - need access to money but don't want to dip into your savings? more information here.

What happens after I apply for a loan? 

A Loan Officer will pick up your loan application and give you a call with the next steps. 

How long before a decision is made? 


If you apply for a loan in the morning and we promptly receive any extra information from you, we aim to make loan decisions the same day. If you apply in the afternoon / evening we will process your application the following working day.

I haven't heard anything and more than 24hrs has passed, does this mean I've been declined? 

We will always call you back following a loan application, if you've not heard from us please contact us here. There may have been technical difficulties which mean we've not received your application. We will contact you with further steps.

I've sent you my application but I think I made a mistake, what should I do? 

Please give your local office a call so we can amend the details you have sent over.

If i'm approved for a loan, will I need to visit an office? 

Not necessarily, existing members can now e-sign their loan agreement. All documents will be securely sent to you for signing. Our Loan Officers can provide assistance as needed.

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Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority

FRN: 213676. Members savings protected by the Financial Services Compensation Scheme. Members of the Financial Ombudsman Scheme.