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](https://centralcu.co.uk/existing-member-loan/)

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
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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
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Existing members who are homeowners

HOMEOWNER loan. 6.2% APR

Borrow £5,000 to £15,000
[
Apply now](https://centralcu.co.uk/homeowner-member-loan/)
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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](https://centralcu.co.uk/secured-loan/)

Updated on: 16/11/2021