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Visa Loan

Visa Loan Support for
the Life You're Building

We’re here to support military, police, prison, military, fire and health service personnel who are applying for visas, helping you cover the costs of applications and related expenses.

See What You Could Borrow
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Key Features of
Our Visa Loan

We know the visa process can be stressful and expensive, but it doesn’t have to be. Our visa loans are designed to ease the financial burden, so you can focus on your application and the next chapter of your life. With competitive rates, no hidden fees, and flexible repayment options, we’re here to support you every step of the way.

See what you could borrow
Range

You can apply for loans between £500 and £25,000.

Repayments

You can choose repayment terms between 12 to 96 months.​

Rates

We have affordable tiered rates starting from 8% APR to 13.5% APR.

Why Choose a
Visa Loan?

A visa loan can make it easier to manage the costs of your application to remain. 

Cover a Variety of Expenses

Cover expenses like application fees, legal costs, or supporting documentation.

Clear Financing Options

Manage your costs with a clear, straightforward financing option.

No Upfront Payment Stress

 Avoid the stress of upfront payments and focus on your plans.

Flexible Repayment Plans

Enjoy flexible repayment options that suit your budget and timeline.

A close-up of a mug placed next to an approved visa application, symbolising the ease and support provided by Serve and Protect's visa loans.
A close-up of a mug placed next to an approved visa application, symbolising the ease and support provided by Serve and Protect's visa loans.
A close-up of a mug placed next to an approved visa application, symbolising the ease and support provided by Serve and Protect's visa loans.

Things to consider

  • Total Visa Costs - Calculate the total cost of your visa and other visas you're paying for, including application fees, legal services, and travel expenses.
  • Loan Eligibility - Check if you meet the criteria for a loan, including whether you can be a member of Serve and Protect.
  • Repayment Terms - Make sure the monthly payments fit into your budget and align with your financial plans.
  • Long-Term Goals -  Consider how this loan will fit into your broader financial picture as you plan for your future.
Can I Apply?

To apply for our Visa Loan, you need to:

  • be eligible to join our credit union
  • be aged 18 or over
  • be a UK resident
  • be in paid employment or have a regular income and are not a full-time student
  • and not have any recent CCJs, credit defaults or bankruptcies

If your employer hasn’t set up payroll deduction with us, you can still repay via direct debit, as long as you fit in to our field of membership.

See what you could borrow
Use our loan calculator to explore repayment options and find what works for you!
Check Repayments
Frequently Asked Questions

Our rates range from 8% APR to 13.5% APR, depending on the amount borrowed and repayment terms.

Absolutely. There are no penalties for early repayment, so you can take control of your finances at any time.

Yes, we run credit checks as part of our process. However, we consider many factors beyond your credit score, such as your income and financial habits, so don’t count yourself out if you’ve had a few bumps.

Unfortunately, we are unable to lend to individuals who live outside of the UK unless payroll deduction is available with your employer.

A visa loan is a personal loan designed to help you cover the costs of your visa application and related expenses, such as legal fees, supporting documentation, or travel.

You can use the loan for all visa-related costs, including application fees, legal advice, flights, and more.

Our team is here to help with any further questions you may have. Reach out to us at 0121 700 1222 or start your application today with confidence! Apply Now.

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Ready to Apply?

If you’re ready to apply for a visa loan, Serve and Protect is here to help. During your application and after you apply, you may be asked to provide:

  • proof of identity and proof of address
  • proof of employment and/or income
  • information about your financial situation
  • your banking details so you can save with us

Take the first step toward securing your visa today.

Apply Now
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Notice: Scheduled Maintenance

Our app and online access will be unavailable for 2 hours on Sunday, June 8, from 4:00 AM to 6:00 AM, as we work on scheduled upgrades to make things faster and smoother for you. We apologise for any inconvenience this may cause.