> ## Knowledge Base Index
> Fetch the complete knowledge base index at: https://help.centralcu.co.uk/sitemap.xml
> Use this file to discover available pages before exploring further.
> Pure-Markdown content can be obtained by appending a '.md' suffix to the content URLs listed in the sitemap (without the trailing slash).

# What loan is best for me?

${color}[#000000](**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](https://centralcu.co.uk/new-member-loan/)

**Existing members topping up their loan**

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

[Apply now](https://centralcu.co.uk/top-up-loan/)

OPPORTUNITY PLUS loan.  34.5% APR
__
_Borrow £3,001 TO £5,000 (including existing balance)_
 
[Apply now](https://centralcu.co.uk/top-up-loan/)

HELPING HAND loan. 26.8% APR

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

[Apply now ](https://centralcu.co.uk/top-up-loan/)

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

HELPING HAND loan. 26.8% APR

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

[Apply now ](https://centralcu.co.uk/existing-member-loan/)
****
**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](https://centralcu.co.uk/saver-member-loan/)
****
**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/)
****
**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/)