My Community Bank

Get a personalised loan quote in four simple step...

1
2
3
4
Enter loan details
Tell us about yourself and the loan you want.
We process your quote
This takes seconds and will not harm your credit score.
Review your personalised
rate offer
The rate you see will not change
if you click to accept.
Join the credit union -
this is free and easy
Also send any documents requested.

1 Enter loan details

£
Months

Sorry we cannot provide you with the selected options, if you adjust your requirements we should be able to help.

You can try selecting a larger amount, or a shorter repayment period.

Your personal details

+44
+44
We may call to confirm your employment.
£
You will be asked for payslip and bank statements to confirm affordability.

Tell us more about yourself

Security question

Processing

Please wait

We're just processing your application. This action is normally instant but during busy periods it might take a minute or so.

2 Congratulations!

Reference Number: {{ application.getId() }}

{{ result.applicant }}, Your loan has been conditionally approved as some of your details could not be verified online. An e-mail with the details of your application has been sent to you.

The details of your loan offer are below

Loan Amount: {{ result.amount | currency:'£' }}
Loan Term: {{ result.term }} months
APR: {{ result.apr }}%
Monthly Repayment of: {{ result.monthlies | currency:'£' }}
Total to be repaid: {{ result.total | currency:'£' }}
First repayment date: {{ result.first_date | date:'dd/MM/yyyy' }}

2 We're sorry...

Reference Number: {{ application.getId() }}

{{ result.applicant}}, we are sorry to say that your loan application has not been approved.

We are not able to comment on the reasons for the decline but suggest you check your rating with a credit reference agency. The credit agency we use is called Call Credit and you can request a copy of your credit reference from them by following this link. You may of course use any other agency of your choice.

Have you considered using a money managing app to help you with your finances?

We have partnered with Mespo, the impartial money guide. Mespo can support you on your financial journey and help you improve your credit score and save you money. Click on the icon to get to Mespo and sign-up.

2 Info

Reference Number: {{ application.getId() }}

{{ application.form.personal.title }} {{ application.form.personal.first_name }} {{ application.form.personal.last_name }}, we are struggling to complete your loan application automatically

This does not mean we won't be able to lend you the money. We will email our questions to you then will call you to discuss your application.

All the best,

Membership team

2 Info

Reference Number: {{ application.getId() }}

{{ application.form.personal.title }} {{ application.form.personal.first_name }} {{ application.form.personal.last_name }}, We are delighted that you have chosen an alternative loan.

Please now respond to the email we have sent you with the requested evidence of your income which we have not been able to automatically check. Once all is confirmed we will be able to disburse your loan in one business day.

All the best.

Membership team

2 Info

Reference Number: {{ application.getId() }}

{{ application.form.personal.title }} {{ application.form.personal.first_name }} {{ application.form.personal.last_name }}, We are delighted that you have chosen an alternative loan.

Please now respond to the email we have sent you with the requested evidence of your income which we have not been able to automatically check. Once all is confirmed we will be able to disburse your loan in one business day.

All the best.

Membership team

2 Info

We are unable to provide a loan for the amount you selected.
However, we can provide a loan for the below amount.

Max amount: {{ application.amount | currency:'£' }}
Max term: {{ application.term }} months
Applicable APR: {{ application.apr }}%
£
Monthly payment: {{ summary.monthlyRepayments() | currency:'£' }}
Applicable APR: {{ summary.APR() }}%
Total Loan Amount: {{ summary.totalRepayment() | currency:'£' }}
Processing

Please wait

We're just processing your application. This action is normally instant but during busy periods it might take a minute or so.

Info

Dear, {{ application.form.personal.title }} {{ application.form.personal.first_name }} {{ application.form.personal.last_name }}

We won’t be able to give you the loan you applied for based on your personal credit history. What we can do is see if we can offer you a loan for £{{application.amount}} at and APR of {{application.apr}}%

If you would like us to do this for you, we will ask a series of questions to help us get a better understanding of who you are as a person. For more information about this questionnaire see our FAQ.
  1. Help repair and build your credit history.
  2. Keep you away from high cost short term lenders.
  3. Allow the credit union to get to know you which may help you take a larger loan in the future.
  4. Are offering anything other than 6 months term?

Please wait

We're just processing your application. This action is normally instant but during busy periods it might take a minute or so.

2 Congratulations

Reference Number: {{ application.getId() }}

Good news {{result.applicant}}, your loan application has been approved.

The details of your loan offer are below

Loan Amount: {{ result.amount | currency:'£' }}
Loan Term: {{ result.term }} months
APR: {{ result.apr }}%
Monthly Repayment of: {{ result.monthlies | currency:'£' }}
Total to be repaid: {{ result.total | currency:'£' }}
First repayment date: {{ result.first_date | date:'dd/MM/yyyy' }}

To confirm and accept this offer, please continue below. A copy of your loan agreement will be sent to the email provided.

Have you considered using a money managing app to help you with your finances?

We have partnered with Mespo, the impartial money guide. Mespo can support you on your financial journey and help you improve your credit score and save you money. Click on the icon to get to Mespo and sign-up.
Generating Agreement

Please wait

We're just generating an agreement document for you to complete.

3 Confirm

Reference Number: {{ application.getId() }}

Please complete the digital agreement below by creating an electronic signature.

The Loan Agreement will be sent to you shortly via e-mail for you to sign.

4 Application Complete

Reference Number: {{ application.getId() }}

{{ application.form.personal.title }}. {{ application.form.personal.first_name }} {{ application.form.personal.last_name }}, your loan application has been completed.

In a few minutes you should receive an email confirmation with the final details of your account with {{ result.union }}.

Loan Amount: {{ result.amount | currency:'£' }}
Loan Term: {{ result.loanTermMonths }} months
APR: {{ result.apr }}%
Monthly Repayment of: {{ result.monthlies | currency:'£' }}
Total to be repaid: {{ result.total | currency:'£' }}
First repayment date: {{ result.first_date | date:'dd/MM/yyyy' }}

2 We're sorry...

Reference Number: {{ application.getId() }}

Sorry an unexpected error has occured, we still have your details on file. Please phone us to complete your application referencing the above number.

{{ globalErrorMessage }}

Hi {{result.applicant}},

Exact APR: {{result.apr}}%
Ammount: £{{ result.amount }}
Term: {{ result.term }} months
Monthly repayment: £{{ result.monthlies | number: 2 }}
Total to repay: £{{ result.total | number: 2 }}
{{errorMessageConfused}}

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