What loan is best for me?

For first time borrowers
Our OPPORTUNITY loan is charged at 42.6% APR.

For 1st-time borrowers
Borrow up to net monthly income including benefits (£3,000 max)
Over 1 to 36 months

Apply now

Existing members topping up their loan

OPPORTUNITY loan. 42.6% APR.
Borrow up to £3,000 (including existing balance)

Apply now

OPPORTUNITY PLUS loan. 34.5% APR

Borrow £3,001 TO £5,000 (including existing balance)

Apply now

HELPING HAND loan. 26.8% APR

Borrow £5,001 TO £10,000 (including existing balance)

Apply now

Existing members wanting a new loan (exluding [top ups](/en/article/topping-up-your-loan-opj9yo/))

OPPORTUNITY loan. 42.6% APR.
Borrow up to £3,000 (including existing balance)

Apply now

OPPORTUNITY PLUS loan. 34.5% APR

Borrow £3,001 TO £5,000 (including existing balance)

Apply now

HELPING HAND loan. 26.8% APR

Borrow £5,001 TO £10,000 (including existing balance)

Apply now

For members who've been with us for more than two years and have at least £500 in savings

LOYALTY loan. 12.6% APR

Borrow up to 3x what you have in savings (£15,000 max)

Apply now

Existing members who are homeowners

HOMEOWNER loan. 6.2% APR

Borrow £5,000 to £15,000

Apply now

Existing members who have more in savings than they want to borrow

SECURED loan. 6.2% APR

For members with more in savings than they want to borrow
Borrow £1 to £15,000
Over 1 to 60 months
No credit check!

Apply now

Updated on: 16/11/2021