You must have been a member with us for at least two years.

Regular savings over a two year period.

Minimum borrowing limit: £100

You can borrow up to the balance of the savings you hold in your account up to a maximum limit of £7,000

Throughout the period of repaying the loan you must continue to pay an amount, either weekly or monthly, into your savings.

You must retain 100% of loan balance in savings

Minimum borrowing term : 6 months

Maximum borrowing term: 36 months

APR: 5%

Please note that all applications are subject to review by the loans committee to consider your individual circumstances to make a final decision on your loan being granted.

You must be 18 years of age or older to be able to apply for a loan.

As part of the terms and conditions, loans can only be paid off in full six months after the loan is issued.