It's the new way to borrow money!
We help you borrow and save at the same time - it makes perfect sense.
Get an amazing low-rate loan from your local bank and when your loan ends you will have built up an amazing pot of gold!
HOW DOES THE CASHBACK! LOAN WORK?
We want to help you build and improve your financial well-being - even when you borrow.
That's why, with every single loan repayment you make, we stash a bit of cash away for you at the same time into your personal cashback savings account.
You won't pay any more on your loan and it won't take any longer to repay. It's just a great way to save
You borrow. You save. Simple.
No shareholders, investors or expensive overheads equals lower personal loan rates than the major banks, up to £4,999.
NATWEST
19.9% APR
BARCLAYS
20.9% APR
HALIFAX
20.8% APR
WCB
8% APR
Example based on a standardplus loan borrowing £3,500 Jun 22.
LOAN CALCULATOR
Enter your details for a guide to your loan repayments
Do other lenders give you all this and a low rate loan ....
TAKE A BREAK
Most loans come with a 3 months repayment holiday.
PAY IT OFF
Pay your loan off early with no sneaky charges.
YOUR BANK
You'll be part of honest & genuine cooperative banking.
CASHBACK!
Borrow and save at the same time with the CASHBACK! Loan.
Representative example: 8% APR Representative based on a loan of £2,500 repayable over 24 months at an interest rate of 11% pa (fixed). Monthly repayment of £116.52 Total amount payable £2,796.47. Rates vary depending on your personal circumstances. This calculator is a guide to repayments. You will not pay back more on your loan than you would otherwise by taking out this product. Do not take out this type of loan purely on the basis of obtaining a cashback.
LENDING GUIDLINES
We currently can't lend to you:
If you are on contract or on zero hr
If you have had a Debt Relief Order (DRO) in the last 6 years
If you have had an Individual Voluntary Arrangement (IVA) in the last 6 years
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 £4,999
Maximum loan - £15,000 when secured against savings
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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