Personal Loans

APR stands for Annual Percentage Rate, which refers to the overall cost of borrowing a loan. It includes the interest rate and any related fees. By using APR, you can easily compare different options and find the best deal for your needs.

We recommend looking beyond the headline interest rate advertised by other lenders. Instead, take a closer look at how much you’ll actually pay per month for the amount you want to borrow. This way, you can make a more informed decision.

Our policy is to conduct a credit search for every loan application. This helps us ensure responsible lending and safeguard the interests of our valued members who save with us. However, please note that the approval decision is not based solely on your credit score. We carefully assess loan applications by considering factors such as income, expenses, debt level, and repayment capability.

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

Applying for a Personal Loan is a breeze with our convenient online application. To get started, simply use our loan calculator to select your desired amount. It’s fast, simple, and totally 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.