Number One Police Credit Union Limited
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  • Savings
    • SavingsSave regularly, from as little as £5 per month.
    • Member Account
    • Family Member Account
    • Junior Account
    • Notice Plus Account
    • Reserve Account
    • Festive Fund Account
    • Discontinued Accounts
  • Loans
    • LoansHelping you by offering a range of loans for a variety of purposes, direct from your payroll.
    • Member Loan
    • Consolidation Loan
    • Commutation Loan
    • Student Officer Loan
    • Revolving Credit
    • Green Loan
    • Loyalty Loan
    • 70+ Loan
    • Credit Builder Loan
    • Holiday Loan
    • Additional Borrowing
    • Discontinued Accounts
  • Mortgages
    • MortgagesHelping the police family to get on and remain on the property ladder.
    • Speak to a Mortgage Adviser
    • Mortgage Calculator
    • How to apply
    • Agreement in Principle
    • First Time Buyer
    • Fixed Rate Mortgages
    • Family Assist Mortgage
    • Standard Variable Rate Mortgage
    • Budget Planner
    • Useful Contacts
  • Financial Wellbeing
    • Financial WellbeingSome of our top tips to help you manage your money even better.
    • Managing Debt
    • Representative APR
    • Credit Score
    • Gambling awareness
    • Stop Loan Sharks
    • Jargon Buster
    • Fraud Awareness
    • Family Financing
    • Support for your wellbeing
    • Let’s Talk About Money newsletter
  • Services and Support
    • Services and SupportFind more information on the additional services or support we offer.
    • Interest and dividend rates
    • Prize Draw
    • Life Protection
    • Notify us of your retirement
    • FAQs
    • Annual General Meeting
  • About Us
    • About UsFind out more about the biggest police credit union in the UK.
    • About Us
    • Board of Directors
    • Mission Statement
    • Vacancies
    • News
  • Contact Us
Number One Police Credit Union Limited
Menu
  • Savings
    • SavingsSave regularly, from as little as £5 per month.
    • Member Account
    • Family Member Account
    • Junior Account
    • Notice Plus Account
    • Reserve Account
    • Festive Fund Account
    • Discontinued Accounts
  • Loans
    • LoansHelping you by offering a range of loans for a variety of purposes, direct from your payroll.
    • Member Loan
    • Consolidation Loan
    • Commutation Loan
    • Student Officer Loan
    • Revolving Credit
    • Green Loan
    • Loyalty Loan
    • 70+ Loan
    • Credit Builder Loan
    • Holiday Loan
    • Additional Borrowing
    • Discontinued Accounts
  • Mortgages
    • MortgagesHelping the police family to get on and remain on the property ladder.
    • Speak to a Mortgage Adviser
    • Mortgage Calculator
    • How to apply
    • Agreement in Principle
    • First Time Buyer
    • Fixed Rate Mortgages
    • Family Assist Mortgage
    • Standard Variable Rate Mortgage
    • Budget Planner
    • Useful Contacts
  • Financial Wellbeing
    • Financial WellbeingSome of our top tips to help you manage your money even better.
    • Managing Debt
    • Representative APR
    • Credit Score
    • Gambling awareness
    • Stop Loan Sharks
    • Jargon Buster
    • Fraud Awareness
    • Family Financing
    • Support for your wellbeing
    • Let’s Talk About Money newsletter
  • Services and Support
    • Services and SupportFind more information on the additional services or support we offer.
    • Interest and dividend rates
    • Prize Draw
    • Life Protection
    • Notify us of your retirement
    • FAQs
    • Annual General Meeting
  • About Us
    • About UsFind out more about the biggest police credit union in the UK.
    • About Us
    • Board of Directors
    • Mission Statement
    • Vacancies
    • News
  • Contact Us
Login Join
  • Let's get started

  • Apply to borrow up to £25,000 over a maximum term of 96 months.
    Interest rates for this product are:
    Under £5,000 - 12.89% APR
    £5,000 - £25,000 - 9.9% APR
  • Apply to borrow up to £50,000 or 50% of your commutation entitlement, depending on which amount is lower.
    The loan is an interest-only loan, fixed at 9.9% APR.
    Upon retirement, you will be required to repay your loan on receipt of your commutation.
  • Apply to borrow up to £4,999 over a maximum term of 10 months.
    The interest rate is fixed at 12.89% APR.
  • Apply to borrow up to £40,000 over a maximum term of 120 months at a fixed rate of 3.5% APR.
    This loan is secured against your savings, you must maintain your savings of at least an equal amount to your outstanding loan at all times.
  • Flexible credit facility. Apply for a limit up to £5,000.
    The monthly repayment amount depends on the limit agreed. Please click here to see the full list of repayment amounts.
    The interest rate for this facility is fixed at 12.68% APR.
  • Available for Police Officers within their first two years of service.
    Apply to borrow up to £10,000 over a maximum term of 60 months.
    The interest rate is fixed at 5.5% APR.
  • A short term facility that is designed to help you manage your finances on a day to day basis.
    Apply for a limit of up to £2,000. Please click here to see the full list of monthly fees.
  • If you are a member of the Credit Union and 70 years of age or over, you can apply for a 70 Plus Loan. It also includes extended Life Protection up to age 80.
    Apply to borrow up to £5,000 over a maximum term of 36 months at a fixed rate of 9.9% APR.
  • Apply to borrow up to £35,000 over a maximum term of 96 months.
    Interest rates for this product are:
    Under £4,999 - 12.89% APR
    £5,000 - £9,999 - 7.9% APR
    £10,000 - £19,999 - 6.9% APR
    £20,000 - £35,000 - 7.9% APR
  • Your loan purpose

  • You are unable to consolidate or repay existing debt using this loan. You may be more interested in our Consolidation Loan.
  • Please enter a number from 1 to 50000.
  • Please enter a number from 1 to 25000.
  • Please enter a number from 1 to 100000.
  • Please enter a number from 1 to 35000.
  • Please enter a number from 1 to 2000.
  • Please enter a number from 1 to 25000.
  • Tell us about your creditors

  • Max. file size: 10 MB.
  • Max. file size: 10 MB.
  • Max. file size: 10 MB.
  • Max. file size: 10 MB.
  • Max. file size: 10 MB.
  • If you require funds for an additional purpose please let us know the amount, purpose and desired repayment term as a Loans Officer may be able to advise another more suitable product.
  • Second loan purpose

  • Please enter a number from 1 to 35000.
  • Please enter a number from 1 to 100000.
  • Please enter a number from 0 to 50000.
  • Please enter a number from 0 to 25000.
  • Tell us about your creditors

  • Max. file size: 10 MB.
  • Max. file size: 10 MB.
  • Max. file size: 10 MB.
  • Max. file size: 10 MB.
  • Max. file size: 10 MB.
  • If you require funds for an additional purpose please let us know the amount, purpose and desired repayment term as a Loans Officer may be able to advise another more suitable product.
  • The amount you wish to borrow

  • Please enter a number from 1 to 35000.
  • Please enter a number from 5000 to 14999.
  • Please enter a number from 1 to 10000.
  • Please enter a number from 1 to 4999.
  • Please enter a number from 1 to 100000.
  • Please enter a number from 1 to 40000.
  • Please enter a number from 1 to 5000.
  • Repaying your loan

  • Please enter a number greater than or equal to 16.
    This must be equal to, or higher than, the minimum required for the amount applied for. This is the amount you'll commit to paying each month. The more you commit to paying, the faster you will repay any borrowing. You can also make over-payments whenever you wish.
  • Please enter a number greater than or equal to 32.
    This must be equal to, or higher than, the minimum required for the amount applied for. This is the amount you'll commit to paying each month. The more you commit to paying, the faster you will repay any borrowing. You can also make over-payments whenever you wish.
  • Please enter a number greater than or equal to 44.
    This must be equal to, or higher than, the minimum required for the amount applied for. This is the amount you'll commit to paying each month. The more you commit to paying, the faster you will repay any borrowing. You can also make over-payments whenever you wish.
  • Please enter a number greater than or equal to 64.
    This must be equal to, or higher than, the minimum required for the amount applied for. This is the amount you'll commit to paying each month. The more you commit to paying, the faster you will repay any borrowing. You can also make over-payments whenever you wish.
  • Please enter a number greater than or equal to 80.
    This must be equal to, or higher than, the minimum required for the amount applied for. This is the amount you'll commit to paying each month. The more you commit to paying, the faster you will repay any borrowing. You can also make over-payments whenever you wish.
  • Please enter a number greater than or equal to 96.
    This must be equal to, or higher than, the minimum required for the amount applied for. This is the amount you'll commit to paying each month. The more you commit to paying, the faster you will repay any borrowing. You can also make over-payments whenever you wish.
  • Please enter a number greater than or equal to 132.
    This must be equal to, or higher than, the minimum required for the amount applied for. This is the amount you'll commit to paying each month. The more you commit to paying, the faster you will repay any borrowing. You can also make over-payments whenever you wish.
  • Please enter a number greater than or equal to 166.
    This must be equal to, or higher than, the minimum required for the amount applied for. This is the amount you'll commit to paying each month. The more you commit to paying, the faster you will repay any borrowing. You can also make over-payments whenever you wish.
  • Please enter a number greater than or equal to 10.
    This must be equal to, or higher than, the minimum fee for the limit applied for. This is the amount you'll commit to paying each month. The more you commit to paying, the faster you will repay any borrowing. You can also make over-payments whenever you wish.
  • Please enter a number greater than or equal to 5.
    This must be equal to, or higher than, the minimum fee for the limit applied for. This is the amount you'll commit to paying each month. The more you commit to paying, the faster you will repay any borrowing. You can also make over-payments whenever you wish.
  • Please enter a number greater than or equal to 15.
    This must be equal to, or higher than, the minimum fee for the limit applied for. This is the amount you'll commit to paying each month. The more you commit to paying, the faster you will repay any borrowing. You can also make over-payments whenever you wish.
  • Please enter a number greater than or equal to 20.
    This must be equal to, or higher than, the minimum fee for the limit applied for. This is the amount you'll commit to paying each month. The more you commit to paying, the faster you will repay any borrowing. You can also make over-payments whenever you wish.
  • Please enter a number less than or equal to 96.
  • Please enter a number less than or equal to 96.
  • Please enter a number less than or equal to 60.
  • Please enter a number less than or equal to 36.
  • Please enter a number less than or equal to 120.
  • Please enter a number less than or equal to 90.
  • Please enter a number less than or equal to 10.
  • Additional details

    If you choose to top up we will set up a new loan agreement for your existing balance plus the extra amount you want to borrow. The new loan may have a different term and interest rate.
  • Please note, the minimum you can apply for when topping up your existing loan is £500.
  • Please note, the minimum you can apply for when topping up your existing loan is £500.
  • Max. file size: 10 MB.
  • Please enter a number from 5 to 40000.
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  • Your details

  • Your ID

    As a regulated financial organisation we are required to authorise your identity.
  • Before we set up your Member Account, we need some photo ID. Simply take a photo on your mobile device and upload it. This can be:

    - Full or provisional UK driving licence (this can only be used for photo ID or address, not both)
    - UK Passport
    - Foreign passport/visa
    - EU national ID card
  • Drop files here or
    Max. file size: 32 MB.
      Please ensure that the photo shows all of the document and is clear.
    • We also need proof of your address. It can include any of the following:

      - Full or provisional UK driving licence (this can only be used for photo ID or address, not both)
      - Utility Bill (within last 3 months)
      - Council Tax Bill (within last 12 months)
      - Bank/Building Society Statement (within last 3 months)
      - Mortgage Statement (within last 12 months)
      - HMRC Tax Notification (dated within last 6 months)
      - Benefit letter/Jobcentre Plus letter (within last 12 months)
    • Drop files here or
      Max. file size: 32 MB.
        Please ensure that the photo shows all of the document and is clear.
      • Your address

      • You must be a UK resident to apply for a loan with us.

      • Contact details

      • If your loan is approved we will send your loan paperwork through to you electronically via the RMail secure system. Therefore, please provide us with the email address where you would like the paperwork to be sent.
      • Remember to provide the email address which you would like us to send your loan paperwork to.
      • Residential status

      • Employment details

      Save and continue later
      • Your bank details

      • If approved, your loan will be paid into your bank account via BACS. If you have not updated your bank account details prior to this application, please do this as soon as possible as this will save you time later on. You can update your bank details here. Or call us on 0161 741 3160 during office hours.
      • Please note, if this facility is approved, the money will not be transferred immediately. Instead, the funds will be available for you to request to withdraw when you need them. If you have not updated your bank account details prior to this application, please do this as soon as possible as this will save you time later on. You can update your bank details here. Or call us on 0161 741 3160 during office hours.
      • Personal finances

      Save and continue later
      • Monthly income

      • Please don't include overtime or shift-allowance, if it's not permanent.
      • Please specify the source of income and amounts
      • Monthly household expenditure

        Please include the expenditure for anyone whose income has been declared within this application.
      • Please specify and give amounts
      • This will exclude any other outgoings you have stated. This expenditure will be added on when assessing your application.
      Save and continue later
      • Loan declaration

      • No1 CopperPot will only use your personal details in accordance with the Data Protection Act 2018. They will only be shared with licensed credit reference agencies, our regulators, auditors of No1 CopperPot, and for debt recovery purposes if necessary.

      • All loans can be cancelled within 14 days of taking the loan providing all transferred money is returned to the Credit Union. All loans are subject to affordability and our lending criteria. The APR stated is subject to change at the discretion of No1 CopperPot Credit Union, if a change is made you will be informed prior to the start date of your loan.

      Save and continue later

       

       

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