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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. Whether you’re handling unexpected expenses or planning ahead, our loans provide dependable solutions for members.

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Top up an 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.

Top-up loans are great for a wide range of needs, like home improvements, consolidating debt, or covering unforeseen expenses. If you’re looking for a way to secure extra funds while keeping your financial planning on track, a top-up loan could be the perfect solution.

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  • You can borrow up to a maximum of £25,000 in total from Serve and Protect.
  • You can repay our personal loans from 12 months up to 96 months.
  • Our personal loan rates are tiered from 8% APR to 13.5% APR.

What are the benefits of a top up loan?

There are a host of benefits to a top up loan for those that are in need of additional funds. We outline just a few of these below.

Flexible Repayment Terms

We understand that everyone’s financial situation is unique. That’s why we offer flexible repayment terms tailored to your needs. Whether you prefer a longer or shorter term, we’ll work with you to create a plan that fits comfortably within your budget.

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.

 

You’re in Trusted Hands

We lend to thousands of members every year, helping them achieve their financial goals with confidence. With our experience and commitment to your success, you can trust us to support you every step of the way.

Ready to simplify your finances? Contact us today to learn more about how a top-up loan can help!

One Lender, One Payment

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

Easy Online Application

Applying for a top-up loan has never been easier. You can apply online from the comfort of your home, and our simple, user-friendly application process means you’ll be on your way to getting the funds you need in no time.

Ready to simplify your finances? Apply online today and see how we can help!

Three friends smiling together, enjoying the support provided by Serve and Protect loans.
Three friends smiling together, enjoying the support provided by Serve and Protect loans.
Three friends smiling together, enjoying the support provided by Serve and Protect loans.

Can I Apply?

To apply for a Serve and Protect Top-Up Loan, you need to:

  • be a member of Serve and Protect
  • 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 CCJs, defaulted credit or insolvencies
See what you could borrow

Our loan calculator can show what your repayments could be before you apply

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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.

When you top up a loan, we don’t actually add money to it. Instead, we set up a new loan for the remaining balance plus the additional amount you want to borrow.

Here’s an example: if your current loan is £2,000 and you would like to borrow an extra £3,000, we’ll create a new loan for £5,000.

Please keep in mind that the new loan might come with a different interest rate and term compared to your initial loan. This means that you could potentially pay a higher amount of interest than before. Rest assured, we’re here to help clarify any questions you may have!

You have the freedom to repay your loan early at any time, without incurring any penalties.

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.

You can effortlessly apply to top up your loan by simply logging in to our convenient online banking or our user-friendly mobile app. It’s quick, easy, and hassle-free!

You have a higher chance of being approved for a Top Up Loan if:

  • You are 18 years old or older
  • You have a regular source of income

On the other hand, your chances of approval are lower if:

  • You cannot provide proof of a regular source of income
  • You cannot afford the loan repayments for the requested amount
  • You have credit in arrears, defaults, or an outstanding CCJ
  • You have previously defaulted on a loan with us

We will evaluate your personal circumstances before making a decision on whether to offer you a loan. We apologise, but we are unable to offer a loan if you are insolvent at the time of application or have been discharged from insolvency within the last 12 months.

Please note that meeting these criteria does not guarantee acceptance.

If you live outside of the United Kingdom and payroll deduction is not currently in place with your employer, unfortunately you are not able to borrow from us.
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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.

During your application and after you apply, you may be asked to provide:

  • proof of address
  • proof of employment and/or income
  • information about your current financial situation
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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