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Serve and Protect Top-Up Loans

Flexible, Top-Up Loans Tailored for Serve and Protect Members

Serve and Protect loans are designed with your needs in mind, offering competitive rates, flexible terms, and personalised support.

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Top Up Your Serve and Protect Loan

Sometimes, life throws unexpected expenses your way or presents opportunities that require a little extra financial boost. That’s where a top-up loan can help. A top-up loan is an additional amount you can borrow on top of an existing loan. It allows you to access extra funds while continuing to pay off your original loan.

See what you could borrow
Range

Borrow up to a maximum of £25,000 in total across your Serve and Protect loans.

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.

What makes our Top Up Loan a good choice?

One Lender, One Repayment

If you have multiple loans or debts, a top-up loan with us can help you simplify your finances by consolidating them into one easy monthly payment. Instead of juggling multiple lenders, you’ll have just one payment to manage, making it easier to stay on top of your finances

Personalised Member Service

As a member of Serve and Protect, you’re more than just a member – you’re part of our community. Our dedicated team will work closely with you to ensure you fully understand your options and help you find the best solution for your financial needs.

No Early Repayment Penalties

Gain financial freedom faster with the ability to repay early at no extra cost.

Support a Greater Cause

When you borrow from us, you get an affordable loan while supporting our mission. Your interest helps sustain our credit union, support those who serve, and reinvest in the community.

Woman happily talking on the phone, exploring serve and protect loan opportunities.
Woman happily talking on the phone, exploring serve and protect loan opportunities.
Woman happily talking on the phone, exploring serve and protect loan opportunities.
Can I Apply?

To apply for a Top Up Loan, you need to:

  • have an existing loan with Serve and Protect
  • not be in a loan review
  • 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 our personal loan seems out of reach, consider our Inclusion Loan. By looking at your financial habits rather than your credit score with the help of Open Banking, we aim to help where others might not.

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Use our loan calculator to explore repayment options and find what works for you!
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Frequently Asked Questions

You may be eligible to borrow up to £25,000, depending on your circumstances. This amount includes any existing loan you may have. You’ll then only need to make one fixed, monthly repayment, making it easier for you to plan your budget.

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

Sometimes, you might not want to add more funds to an existing loan. This could be because you took out your current loan for a specific purpose and prefer to keep the repayments separate. In such situations, you could think about getting a second loan, resulting in two repayments.

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

You may be eligible to borrow up to £25,000, depending on your circumstances. This amount includes any existing loan you may have. You’ll then only need to make one fixed, monthly repayment, making it easier for you to plan your budget.

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?

It’s easy to apply for a top up loan from Serve and Protect Credit Union. You can apply online and complete a short application. You’ll need:

  • 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 today and see how we can help you manage life’s expenses.

Apply Now
Woman on the phone providing friendly customer support about personal loans, encouraging borrowers to call Serve and Protect Credit Union with questions or concerns, and linking to the contact us page.
Woman on the phone providing friendly customer support about personal loans, encouraging borrowers to call Serve and Protect Credit Union with questions or concerns, and linking to the contact us page.
Woman on the phone providing friendly customer support about personal loans, encouraging borrowers to call Serve and Protect Credit Union with questions or concerns, and linking to the contact us page.

Fancy a Chat?

Our team is here to answer your questions, talk through your needs and help you throughout the process.

Contact our support team
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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.