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Loan Calculator

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)
pdfChristmas Loan Application Form (8% Interest Rate, up to £3,000 - not a mutiplication of your savings - up to 1 year)
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:
  Tuesday Tuesday Tuesday Tuesday
January 2014 14th 28th    
February 2014 11th 25th    
March 2014 11th 25th    
April 2014 8th 22nd    
May 2014 6th 20th    
June 2014 3rd 17th    
July 2014 1st 15th  29th  
August 2014 12th 26th    
September 2014 9th Cancelled    
October 2014 7th 21st    
November 2014 4th 18th    
December 2014 2nd 9th 16th  23rd

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)

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



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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