Payroll loan

  • Anyone can apply

    New joiners and existing members alike, but you must work for a qualifying employer

  • Repay over up to 60 months (5 years)

  • Borrow from £100 at 39.6% APR to £15,000 at 8.1% APR

    £100 to £1,599 at 39.6% APR

    £1,600 to £2,999 at 24.1% APR

    £3,000 to £4,999 at 16.7% APR

    £5,000 to £9,999 at 12.1% APR

    £10,000 to £15,000 at 11.4% APR

  • Must work for a qualifying employer

  • OK for poorer credit profile

  • Any outstanding CCJs must be less than £500

  • No more than 2 defaults

  • For loans over £10,000 there can be no CCJs or defaults in last 3 years

  • No Top Up unless you’ve paid off 3 months’ payments

Payroll loan

How much do you want to borrow?
How long do you want to repay?
*Your repayments are every month at
Total you will pay:
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* THIS IS A REPRESENTATIVE RATE FOR QUOTATION PURPOSES. WE WILL BE ABLE TO OFFER YOU AN ACTUAL RATE ONCE WE HAVE UNDERTAKEN A CREDIT CHECK. WHILST EVERY CARE HAS BEEN MADE IN THE PRODUCTION OF THIS WEB PAGE, THE CREDIT UNION, OR ANY OF ITS STAFF, CANNOT BE HELD RESPONSIBLE FOR ANY OMISSIONS, ERRORS OR OTHER MISTAKES MADE. THIS WEB PAGE IS FOR ILLUSTRATIVE PURPOSES ONLY, SO AS TO GIVE YOU, THE BORROWER, AN OVERVIEW OF THE POTENTIAL COST OF BORROWING.