First Step

To apply for a loan you will need first to become a member.  It couldn’t be simpler, just click the “Join Now” button on our savings page and fill out the short online application form. Usually, we can check your identity electronically avoiding the complications of providing proof of identity documents.

Once our checks are completed, (this usually takes under 24 hours), you will receive a welcome email providing you with your member number and easy instructions on how to activate your account and access your member area.

This is where you will be able to easily manage your account and apply for a loan.

Membership costs £2.75, we also only take a £2.75 annual administration fee and encourage members to make regular savings into their accounts (although these savings do not need to be a large amount!).

Second Step

After you have activated your account, you need to log in to your personal member area. To do this use the member login button at the top right of any page on our website. From here, click on “Apply for a loan”. To access your loan application you will be asked to verify your identity by inputting a code which will be sent to your choice of either your mobile or email.

On your application form we will ask for some income and expenditure details. This is easy to do using ‘Open Banking’. This facility allows you to give us permission to view details of your income and expenditure from your bank. You just need to tick the Open Banking  box on your application. We do not see your statements but receive information on categories of spending which help us assess affordability for you.

Alternatively, you can provide us directly with this information including 3 months bank statements. Other details we will need are:

• the amount you would like to borrow
• the purpose of the loan
• how long you’d like to take repay the loan

Once we have received your completed application we can let you know usually within 24hours.