ETHICAL PERSONAL LOANS
Low rates and no hidden fees
Get that personal loan from a local bank, run by local people for the benefit of local people.
Take a break
Standard 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.
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.
This is based on a StandardPlus loan. Rates vary depending on your personal circumstances.
Choose the loan for you
StandardPlus
A flexible personal loan for employed with a good credit history
Standard save & loan
A Personal loan for employed with an OK credit history
Community save & loan
Your in receipt of DWP benefits or low income & need a small loan
LENDING POLICY GUIDELINES
We currently cant 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 a Individual Voluntary Arrangement (IVA)
If you have been employed less than 6 months
Standard criteria
Minimum age - 18years
Max age at loan end - 75
Minimum loan - £350
Maximum loan - £7,499*
Employed or benefit 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, fortnightly or monthly
Pay by standing order or direct debit
3 months payment holiday (in one go or seperately) 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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