CASHBACK

PERSONAL LOANS

 

 

 

 

 

 

 

 

 

 

 

 

Get your loan today & when your your loan ends you'll get your very own cashback of up to £750!

 

 

 

Every loan is assessed by a living, breathing person. Get that personal loan from a local bank, run by local people for the benefit of local people. 

 

Interest rates from as low as 5.1% APR

TAKE A BREAK

 

Most loans come with a 3 months repayment holiday that can be taken one month at a time, or in one go.

 

 

PAY IT OFF

 

Pay your loan off early & we guarantee they'll be no 'rounding up' of interest charges until the end of the month.

 

 

GET FLEXIBLE

 

Pay by direct debit or standing order. Pay weekly or monthly. It's your choice.

 

 

BE HAPPY

 

Know that your loan is with a local not-for-profit community bank. 

 

 

 

HOW DOES THE CASHBACK LOAN WORK

 

 

 

We're not like the big banks.

Community banks encourage saving.

 

That's why, with every single loan repayment you make, we stash a little bit of cash away. 

 

So, when your loan ends, you'll have built-up a lovely pot of money in a savers account.

And it's all yours.

 

Awesome!

 

 

 

A guide to your cashback and loan repayments

 

Representative example: 5.1% APR Representative based on a loan of £7,100 repayable over 48 months at an interest rate of 5.1% pa (fixed). Monthly repayment of £163.51 Total amount payable £7,848.37. Rates vary depending on your personal circumstances. This calculator is a guide to repayments.

Personal loan guide
A personal loan summary.pdf
Adobe Acrobat document [171.6 KB]
LENDING GUIDLINES

We currently can't lend to you:

 

If you are self-employed

If you are on contract or on zero hr

If you have ever had a Debt Relief Order (DRO)

If you have ever had an Individual Voluntary Arrangement (IVA)

If you have been employed less than 6 months

 

Standard criteria

 

Minimum age at outset - 18

Max age at loan end - 75

Minimum loan - £350

Maximum loan - £7,499

Employed or benefit or pension income considered

 

Flexibility as standard

 

No penalty for repaying your loan off early

No set up fees

No late payment fees

Interest charged daily

Pay weekly, 4 weekly, fortnightly or monthly

Pay by standing order or direct debit

3 months payment holiday (in one go or separately) Available on selected loan products

*dependent on loan type

 

Small print

Make sure you can afford the repayments. A loan is an important financial commitment and failure to keep to the monthly repayments may result in an adverse effect on your credit rating. Always talk to us if you are experiencing financial difficulties. Applicants must be aged 18 or over. Loans subject to status. 

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The bank for Hampshire & IOW