Personal Loans

A More Flexible Future

Find out more about personal loans and how we can help.

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What is a Personal Loan?

A personal loan is one that you can use when you need it for personal use such as consolidating debt, buying a car, or going on holiday.

Why choose a
Personal Loan?

Are you a Police Officer, in the Armed Forces, or perhaps working in the NHS? No matter your role, we’re here to support and provide loans to those who serve and protect our nation. Need some extra funds? Let us highlight a few of the many benefits that a personal loan can bring your way!


You have the flexibility to use your loan for a range of purposes. Whether you are buying a new car, paying for some home improvements, or funding a dream holiday, it’s up to you.

Debt Consolidation

You can consolidate debt, helping you to pay off multiple loans faster with manageable repayments from your salary.

Fast Application, Fast Approval

We have a simple application process for new and existing members

Boost your Credit Score

Successfully managing your loan can have a positive impact on your credit score

Fixed Repayment Term

You have a fixed repayment term which helps you to plan your finances better

Capitalise Personal Loan

Personal loans offer a convenient way to secure a fixed amount of money upfront, which can be repaid over time. With Serve and Protect , you’ll be charged interest on your personal loan. So, when you apply, we’ll make sure you’re well-informed about all the details. Let’s get started!

Use loan calculator

Discover how much you can comfortably afford to borrow and explore your repayment options with our user friendly loan calculator.

Apply online

Take a moment to fill out our quick loan application. It typically takes less than 10 minutes of your time. We’re here to make the process easy and hassle-free for you.

Wait for response

Once you submit your application, our lending team will carefully review it. If necessary, they may reach out to you for additional information.

Use our loan calculator to see what your repayments would be!

Frequently Asked Questions

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.

Other Products

Find out more about our other products and how they can help