DO MORE WITH YOUR MONEY
Competitive loan rates, ethical savings and a foundation that turns profit into purpose.
THE CASHBACK LOAN
We love to help people save, even when they borrow.
With every loan repayment you make, you’ll be reducing what you owe and building savings at the same time!
Price Promise
Being a not-for-profit bank means we can do what other banks can’t.
If you can find a lower rate for any loan up to £5,000, we’ll beat it.
Lower loan rates than Santander, Barclays, Nationwide, NatWest, RBS, Lloyds, HSBC, Halifax & TSB on our StandardPlus loan up to £5,000. Reviewed monthly.
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We are a member-owned, not-for-profit bank where profits (surpluses) are reinvested into building stronger communities across Central Southern England.
We serve Hampshire and nearby areas including Portsmouth, Southampton, Bournemouth, Guildford, Woking, Basingstoke, Andover, Aldershot and Newbury.
Unlike high street banks, we have no external shareholders; we offer ethical savings, low-cost loans, fee-free community group accounts and local grants, all backed by strong governance and financial stability.
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Yes. Our personal loans come with a ‘Price Promise’ and are guaranteed lower cost than high street lenders up to £5,000, with no hidden fees.
As a not-for-profit, we don’t pay shareholder dividends, so we keep pricing fair and low. Borrow up to £5,000 at fixed rates and every loan includes a tailored savings element so you finish with a handy savings pot you never had before.
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We offer simple, flexible savings with products like our Christmas Club, Cash ISA, Save To Borrow and Community Group Account.
Members can save flexibly, and borrowers also build savings automatically through their loan repayments. We offer a safe way to save and grow your money.
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Save through the year and access your full balance in time for Christmas.
The Christmas Club helps you avoid December’s rush by spreading savings across the year. You stay in control of your cash and can pair it with an affordable Christmas loan that also builds savings, so January feels lighter.
Apply for a Christmas Club
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Apply via our Foundation Fund. It’s for grassroots grant fund for groups and organisations across Hampshire and surrounding areas.
We support charities and community groups with grant funding and offer fee-free community group accounts. If you’re running a local project in Portsmouth, Southampton, Basingstoke, Guildford or nearby, apply for a cash boost that keeps money working locally
Apply for a community grant
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We reinvest surpluses into low-cost loans, savings, grants and fee-free accounts that directly benefit local people.
Everything we do, affordable personal loans, ethical savings, the Foundation Fund and free group accounts, is built to strengthen local communities across Hampshire, Portsmouth, Southampton, Bournemouth, Andover, Guildford and beyond.
Choose the ethical alternative that puts members first.
What Do Our Customers Say…
We’ve been inspired and proud to have supported many local groups, organisations and charities across our region with our Foundation Fund and Community Grant Scheme.
From competitive low-rate loans, ethical investments and fee-free banking to community grants and our foundation fund.
We drive real change across our region from Portsmouth, Southampton, Bournemouth, Basingstoke, Andover, Woking, Guildford, and the surrounding areas.
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