Unify's Loans

IF YOU ARE AN EXISTING MEMBER YOU HAVE BEEN REDIRECTED FROM THE MEMBER'S AREA

 YOU MAY NOW APPLY FOR LOANS DIRECTLY FROM OUR LOAN PRODUCT PAGES USING THE LINKS BELOW or FROM THE LOAN PAGES WHICH PROVIDE FURTHER INFORMATION.

IMPORTANT INFORMATION

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

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.

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The CUT OFF DATE FOR Christmas Loans has now passed.

New applications are NOT GUARANTEED to be received before Christmas but will be considered, unless withdrawn.

Christmas Loans 2024 Explained

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See how much you could save by turning to us instead of credit cards, payday loans and doorsteps lenders.

Whether you're new to Unify Credit Union or a long-standing member, we provide loans that suit your needs and help you to take control of your finances - you can even apply online. 

You must live of work within our common bond to be eligible to apply for one of our loan products.  If you are not sure either click on the link or visit www.findyourcreditunion.co.uk

We have several different loan products available to members. The page for each loan product has a link for you to start your application:

 

The Starter Loan is ideal for people who are new to Unify but are looking to borrow but have not yet established any savings.

The maximum for the first loan is £1500.00. Top-ups or subsequent applications have a maximum of £750.
Interest is charged on the reducing balance of the loan (42.6% APR). 
For more information please see the Starter Loan page

Use this link to apply for a Starter Loan: APPLY FOR A STARTER LOAN

The Family Loan is available to people who receive Child Benefit and looking to borrow a small amount and build savings for the future.

The maximum Family Loan is £750.00 and you may apply to top up your Family Loan every four months. The Family Loan is available to new members or existing members who do not already have a Unify Loan. Interest is charged on the reducing balance of the loan (42.6% APR).
For more information please see the Family Loan page.

Use this link to apply for a Family Loan:APPLY FOR A FAMILY LOAN

The Workplace Loan is available to employees who work for one of our Workplace Partners and are looking to borrow up to £2000.

The maximum amount available on the Workplace Loan is £2000 per application. You may top-up the loan once 33% of the loan balance has been repaid. Interest is charged on the reducing balance of the loan (34.5% APR).
For more information please see the Workplace Loan page.

Use this link top apply for a Workplace Loan: APPLY FOR A WORKPLACE LOAN

The Premier Loan is ideal for people who are working and have an excellent credit score looking to borrow up to £3000.

Interest is charged on the reducing balance of the loan (12.7% APR). For more information about the Premier Loan please call your local branch on 01942 245656.  

Use this link to apply for a Premier Loan: APPLY FOR A PREMIER LOAN

The Saver Loan is available to members who have been saving regularly and consistently for a minimum of 3 months. The maximum amount you can borrow is 3 times the amount you have saved in your account.

You may also move to the Saver Loan product when you have built up savings whilst you have been repaying a Starter Loan, terms apply. Interest is charged on the reducing balance of the loan (34.5%)
For more information please see the Saver Loan page.

Use this link to apply for a Saver Loan: APPLY FOR A SAVER LOAN

The Loyalty Loan is suitable for existing long-standing members, who have built significant savings over a regular basis and have borrowed and consistently repaid loans. 

We wish to reward our loyal members, which is why you can borrow up to 4 times the amount of your savings. Interest is charged on the reducing balance of the loan (19.6% APR for loans under £3000 / 12.7% APR for loans above £3000).
For more information about the Loyalty Loan please see the bottom half of the  Saver Loan page.

Follow this link to apply for a Loyalty Loan: APPLY FOR A LOYALTY LOAN

The Secure Loan is available to current members of Unify. You may borrow up to the amount you have saved. The loan balance cannot exceed the savings balance.

This is a great way to receive a low-interest loan and also means you don't have to deplete your hard-earned savings. It also means you can still receive a dividend on your savings and the life savings insurance* terms and conditions apply. Interest is charged on the reducing balance of the loan (6.0%APR)
Follow this link to apply for a Secure Loan: APPLY FOR A SECURE LOAN  

 

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

  

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.