The only lender that gives you up to £750 CASHBACK on your personal loan.



That's amazing.









It's a new kind of personal loan!



The only personal loan that gives you cashback when your loan ends.


Get an amazing low-rate loan from your local bank and when your loan ends, you could get back as much as


in cold hard cash. No hidden catches!


You don't pay back your cashback. It's yours to keep!


Registered with the Bank of England 217535



With every single loan repayment you make, we stash a little bit of cash away for you at the same time in to a personal cashback account.


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


And it's all yours to keep! No hidden catches...



"I borrowed £1,200 and received a £240 cashback when my loan ended. It was great to have paid off my loan and get some cash back"


Steve - Fareham

We're way better than the high street banks when it comes to overall costs.


Example: borrowing £2,000


Wessex Bank 11% APR 

Tesco Bank 24.9% APR

Barclays 20.9% APR

Lloyds 26.7% APR

Halifax 28.9% APR

Amigo 49% APR

Provident 535.3% APR

comparison correct a1 01/08/20


Find out what a CASHBACK! loan means to you. Try the calculator.




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





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





You'll be part of honest and genuine local banking. Run by local people for local people.





No other bank gives you cash back when your loan ends. It's the new way to borrow.




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]

We currently can't lend to you:


If you are self-employed

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 - £25,000 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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The bank for Hampshire & IOW