When applying on loan you should have to hand your:

National Insurance Number
Bank account number and sortcode (if you have one)
Online bank account access passwords etc. (if you wish to submit an application using Open Banking)

If you are a new member you can apply to join the Credit Union at the same time you apply to borrow. Existing members can apply at anytime, provided they’ve paid[ down at least six months’ of any existing loan.](/en/article/topping-up-your-loan-opj9yo/)

Use the sliders to select how much you want to borrow and over what period:

Sliders to select loan value and term

Check that you meet the qualification criteria. If you do not meet the criteria (e.g. your income is too low) click your browser’s back button to select a new loan value and term.

Check you are eligible to apply

Read the terms for borrowing. Briefly, we cannot lend money if you are subject to a Debt Management Plan, Debt Relief Order or a form of bankruptcy. We will check your credit history using Transunion but a poorer credit profile does not necessarily prevent you from applying.

Read the terms and conditions

Select if you are an existing member or want to join the Credit Union (we’ll deal with existing member applications from this point forward).

Confirm whether you are a member

Fill out your personal details. Select whether you want to receive news and money tips by email.

Complete your personal details

If you are working enter your work postcode and select your address from the drop down menu. Provide your monthly take home pay (if you are working) or the total amount of benefits you receive each month. Provide your National Insurance Number and indicate that you do not have a life-limiting condition. This is for insurance purposes. If you do have a life-limiting condition, contact us

Enter your income details

Provide your address details by entering your postcode and selecting your address from the drop down menu. Select if you’ve lived there for three years. If you’ve lived there for less than three years you will need to provide us with a second address.

Enter your address

Tell us what the loan is for and how often you want to make the payments. For weekly or fortnightly repaid loans you will need to tell us which day of the week you want us to take the repayment. For monthly loans you need to tell us which day of the month you want the loan payment to leave your account. Let us know whether you’ll be paying the loan back from Child Benefit. If you have a bank account please enter your details here.

Tell us your preferred frequency of repayments

When you’re ready, click apply now.

Click apply now

If we need more information we will ask you for a bank statement. It is far quicker to provide this online using Open Banking. You will need your online current account log in details. We DO NOT SEE OR STORE your passwords. Read Frequently Asked Questions about Open Banking.

Provide open banking for the quickest decision

We use a company called TrueLayer to provide access to your last 90 days’ bank transactions. We do not see your bank statement but this does give us an overview of your income and expenditure over the last three months.

Read the terms and conditions for open banking

Choose your bank account from the list. If you select an icon with the Open Banking sign in the top right you will be taken directly to your bank’s website. In other cases you will provide the details without changing screens.

Choose you bank

Enter your bank account log in details. A split second connection is made and a summary of your bank transactions is sent to the Credit Union. We do not see the statement itself and the connection is terminated immediately. Here is a Halifax example:

An example bank connection

Once completed you will see a confirmation screen and you will receive an email confirmation of your application. We will be in touch as soon as possible.
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