YOUR LOAN

At Your Community Bank, we understand that no two financial stories are the same. That’s why Your Loan is designed to be personal, flexible, and built around what matters to you.

Whether you're planning a big purchase, managing unexpected expenses, or looking to consolidate your debts, we take the time to understand your situation and match you with the most suitable loan option.

We consider a wide range of factors including your income, spending habits, homeowner status, past credit history, and your overall financial wellbeing.

Tailored lending, built around you!

You can apply to borrow from as little as £250 up to £15,000, allowing you to apply for exactly what you need.

Your Loan comes with representative APR's ranging from 9.4% to 42.6%, depending on your circumstances and the loan type.

As a not-for-profit credit union, our focus is on providing fair, affordable lending - not maximising profit!

All rates are correct as of 1st October 2023.

WHAT MAKES YOUR LOAN DIFFERENT?

Personalised assessment – We look beyond just your credit score to understand your full financial story

Fair, affordable lending – Our interest rates are designed to be responsible and accessible

Decision-making with care – Real people review your application with real understanding

No hidden fees – Transparent costs so you always know what you're paying

Support along the way – Our team is here to help before, during, and after you borrow

The easiest way to apply for a Your Loan is to APPLY ONLINE.

In order for your Loan application to be considered, you must have an active membership with us.

If you aren't already a member, you will be able to register for membership whilst applying.

As part of the loan review process all applicants will be required to provide a minimum of 2 months’ bank statements for all currently active Bank Accounts (including savings accounts).

The statements must be in a PDF format and can be sent either via email to: loans@yourcb.org.uk, Open Banking or uploaded to the Nivo app. You may be asked to provide further documentation should it be required.

IMPORTANT** If you have an existing loan product, which is up to date on repayments (not in default), you may be eligible to apply for an alternative loan product to better suit your needs.

Our expert team is dedicated to providing personalised guidance, ensuring that you understand all of your options and choose the one that best suits your situation. (Subject to our lending criteria, as well as eligibility and affordability checks.)