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Loan Calculator

Loan comparison for £1,000 over 2 years

Loan Comparison Presentation 4 January 2015

LOANS SUBJECT TO STATUS, CONDITIONS AND CREDIT CHECKS TO MEMBERS AGED 18 & OVER

*Competitor information source: gocompare.com their own website (January 2015) Repayment calculations source: Crownsavers Curtains

 

Loan Forms

pdfStandard Loan Application Form (Up to 3 times your savings)
pdfQuick loan Application form (Our version of a Pay Day loan/Up to £500 over 4 months)
pdfStarter Loan Application form (Starter loan for new members /Up to £1,000 on Payroll - £500 on Standing Order)
pdfSecurity Loan Application Form (Our lowest interest loan, an alternative to withdrawing your shares/ Up to the amount you have on your savings)
pdfCar Loan Application Form (To buy a new/second hand car/Up to £5,000 - not a multiplication of your savings)
pdfHome Owner's Loan Application Form (Home owners only/Up to £10,000 - not a multiplication of your savings)
pdfKick Start Loan Application Form (For members who haven't had a loan with us and didn't apply for the Starter Loan/Up to £600 + amount in your savings)
pdfPersonal Loan Application Form (15% Interest Rate, up to £5,000 - not a mutiplication of your savings - up to 3 years)
pdfTop Up Loan Application Form (To top up your Standard Loan. A third of your loan must have been payed off)
 
 

Loan Sitting Dates

Loan sittings are held every fortnight, on a Tuesday. Note: Home Owner Loans do not apply to these loan sitting dates. Please ring the office for more information. The dates for the future sittings are listed below:
LOANS SUBMITTED UNDER £2000 WILL NOW BE PROCESSED ON A WEEKLY BASIS
Tuesday Tuesday Tuesday Tuesday
January 2015 13th 27th
February 2015 10th 24th
March 2015 10th 24th
April 2015 7th 21st
May 2015 5th 19th
June 2015 2nd 16th  30th
July 2015 14th 28th
August 2015 11th 25th
September 2015 8th 22nd
October 2015 6th 20th
November 2015 3rd 17th
December 2015 1st 8th 15th  22nd

Please note that loan applications will need to be returned to the office on the Friday before the loan sitting by 4pm, at the latest. We are unable to process applications received on the day of the loan sitting.

Members will be contacted by the Credit Committee if there are any queries with your loan application.

If the loan is approved, cheques will be available for collection on the Friday of the loan sitting week. If it’s a direct payment into your account, funds will be cleared into your bank account on the Thursday / Friday of the loan sitting week (We are aware of banks immediate payments facilities, however, the credit union still needs two authorisation signatures on bank transfers)

LUMP SUM DEPOSITS
Subject to the policy of the Credit Union and Government money laundering regulations, lump sums deposited into Share Accounts, will not be calculated in loan availability if a loan is requested within 6 months of that deposit.

Share Withdrawals

Share Withdrawals are done twice a week, on Tuesdays and Thursdays. This means that if you present a share withdrawal before 2:30 pm on Tuesday, you'll have the money in your account on Wednesday morning. If you present it between 2:30 pm on Tuesday and 2:30 pm on Thursday, the money will be in your account Friday morning.

Share withdrawal form

AUTUMN - WINTER NEWSLETTER IS NOW OUT!    

TESTIMONY CAMPAIGN 2014 

 

Please note that loan applications will now need to be returned to the office on the Friday before the loan sitting by 4pm, at the latest. Read more

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