CASHBACK
PERSONAL LOANS
We've been around since 2001.
You don't need a big bank. You need the local bank.
BE DIFFERENT
Save while you borrow. 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 £750 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
TAKE A BREAK
Most loans come with a 3 months repayment holiday which can be taken one month at a time, or 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.
YOUR BANK
You'll be part of honest and genuine local banking. Run by local people for local people.
BE HAPPY
We're celebrating our 18th Birthday. We are the only not-for-profit bank for Hampshire & IOW
HOW DOES THE CASHBACK LOAN WORK?
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
Example:
A StandardPlus £2,000 loan with us, is better value than almost any other High Street Bank.
We're way better than the High street banks when it comes to overall costs of borrowing:
Wessex Bank 11% APR
Tesco Bank 18.5% APR
Barclays 20.9% APR
Lloyds 26.7% APR
Halifax 28.9% APR
Amigo 49% APR
Provident 535.3% APR
comparison correct a1 01/08/19
A guide to your loan repayments & cashback
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.
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 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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