Because we have no outside shareholders to pay, no big offices to run and many members help us with voluntary work, we can offer cheap and unsecured personal loans. We charge a fixed rate of interest to all members, not discriminating against anyone and not advertising rates that are rarely offered in reality.

We charge no set up fees, no repayment penalties and there are no hidden charges. You decide how much and how often you want to make repayments.

As we are committed to promoting saving rather than borrowing, we require or encourage borrowers to put a small sum from each payment into a savings account. These savings cannot be withdrawn until the loan is repaid. We often require people to have been a saving member for a short period before applying for a 'saver Loan'.

The schemes offer low cost and flexible loans with no minimum sum, no set up charges and no early repayment penalties.

Contact us for a free no obligation quote and application pack.