Borrow up to £750 and repay with your Child Benefit

Do you live or work in Warrington, Wigan, Leigh, Chorley or Leyland?
Do you have 1 or more children living in your household?
You can apply for a Unify Family Loan!

BORROW UP TO £750.00

• Ideal for people who are not currently a member of Unify or for members with little in their savings
  
  
• The Family Loan is an affordable way to borrow even if you don’t have a perfect credit score.
  
  
• The Family Loan is available to families or individuals that are in receipt of Child Benefit. The person who receives the loan must live or work within our ‘common bond’, which is generally Wigan, Leigh, Chorley, Skelmersdale, Warrington and Leyland. [VIEW OUR MAP] for a full view of postcode areas that we cover.
  
  
• A condition of receiving the Family Loan is to arrange to have your Child Benefit paid into your Unify Credit Union Account.
  
  
• You will be expected to save a minimum of £2.50 per week and meet your regular loan repayments.
  
  
• You can also open accounts for your children to build savings for their future!
  

We will need to undertake appropriate identity checks and affordability check to ensure that the loan you are applying for is affordable for you and your household.

Your must live or work within our common bond in order to apply for a Family Loan.

If you take out a Family Loan and keep up with the repayments, this will help to improve your Credit File!

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Family Loan Example

 To see if you qualify to apply for a Family Loan, please click the link below, unless you are already a member of Unify, in which case you should login to your online account

        Apply for a Family Loan

 IMPORTANT INFORMATION If your application is successful, your loan will be paid into the bank account details shown on the REVIEW page before you submit your application.

Please check carefully, and if you wish your loan to be paid into a different bank account, you MUST contact your local branch to amend these.

 Please click here to see frequently asked questions about the Family Loan.

Please note that all loans are subject to our general conditions, as set out in our Loan Policy. 

A Credit Check may be required for this loan product if debt collection activity is evident within your recent account activity. 

IMPORTANT - if you are in a debt management plan, subject of a Debt Relief Order,  IVA or bankruptcy or not currently up to date with household bills we are unlikely to be able to provide you with a loan.  

Debt advice can be obtained, free of charge, from STEPCHANGE, DEBT ADVICE FOUNDATION or your local CITIZENS ADVICE.  

Free and impartial money advice can be obtained from The Money Advice Service.