We've been around since 2001. You don't need a big bank. You need the local bank. 










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 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



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.





We're celebrating our 18th Birthday. We are the only not-for-profit bank for Hampshire & IOW





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...




A guide to your loan payments & cashback



A StandardPLUS £2,000 loan with us, is better value than almost any other High Street Bank.


Wessex Community Bank 11% APR 

Tesco Bank 18.5% APR

Barclays 20.9% APR

Lloyds 26.7% APR

Halifax 28.9% APR


The list goes on........


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 - £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