New to Unify but in need of a loan, fast?
If you need a small loan but have not yet started saving with Unify Credit Union you can apply for a Starter Loan, with interest at a maximum of 3.0% per month (42.6% APR).
This means if you borrowed £500 repay over 50 weeks, you would pay £11.87 per week - with a total including interest of £93.18
How much can I borrow?
You can apply for any amount up to £1500.00 on your first Starter Loan, the loan must be repaid over a maximum of 18 months. Once you have made repayments for 6 months you may 'top-up' your loan by an additional £750 (maximum) per top-up.
The Starter Loan is suitable for people who are in receipt of a non-means tested benefit, for example, Child Benefit, E.S.A or State Pension. (If you are not sure if you are in receipt of a non-means tested benefit please speak to a member of staff)
How do I apply?
Please take a few moments to answer some questions to see if you are eligible to apply for a Starter Loan unless you are already a member of Unify, in which case you should contact the branch to enquire about a 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.
Free and impartial money advice can be obtained from The Money Advice Service
If you want to save for a rainy day or a holiday, a Unify account is quick and easy.
If you need a loan with Unify Credit Union, click here to find out more.
Find out more about how to easily pay into your account with us