Loans
Starter Loan
A straightforward starter loan for household essentials, unexpected expenses and larger purchases.
Why choose this loan?
Clear, responsible borrowing
Loans available from £300 to £3,000
If your sole income is benefits, the maximum we can lend is £1,000
Fixed monthly repayments
No early repayment charges
Ethical lending with friendly local support
Who can apply?
You may be eligible if:
- You are a member, or are happy to join
- You can comfortably afford the repayments
- Your application meets our affordability checks
If your sole income is benefits, the maximum we can lend is £1,000.
All loans are subject to eligibility, affordability and applicable credit assessments. Terms will be explained before you agree to borrow.
Loan calculator
See what your repayments could look like
Adjust the amount and term to view an illustrative monthly repayment based on the 42.6% representative APR for this product.
Figures are illustrative only. Your application remains subject to eligibility, affordability and applicable credit assessments.
Calculate your Starter Loan
Term
APR
Monthly Cost
Representative example A loan of £1,000 over 12 months would cost approximately £103.79 per month at a representative 42.6% APR. The total amount repayable would be approximately £1245.46, including approximately £245.46 in interest.
Starter Loan application
Ready to apply for a starter loan?
Open our secure application form when you are ready. It will appear in a separate window on this page.