70+ Loan

We recognise that you can’t plan for the unexpected, so if you have unforeseen home repairs that need sorting or bills that you just didn’t expect, the 70 Plus Loan could help. If you have been a member of the Credit Union for three years or more and are 70 years of age or over, you can apply for a 70 Plus Loan. It also includes extended Life Protection up to age 80. We’re happy that we can offer great products to all ages.

70 Plus Loan

I would like to borrow: £

I would like to pay back over: months

OR I would like to pay back per month

If you borrow £ - - -

at an APR of - - - %

you will repay £ - - - per month

for - - - months

In total you will repay £ - - -

The total interest will be £ - - -

Key Product Information

APR	9.9% APR
Interest charging information	Interest rate fixed for the life of the loan. Interest accrues daily and is charged on a monthly basis.
Repayment information	You can repay your loan by pension deduction or Direct Debit. Speak to one of our Customer Service Officers on 0161 741 3160 to see if pension deduction is available for you. First payment due on the next available date after drawdown of loan.
Repayment period	The maximum loan term is 36 months and must be repaid by your 80th birthday.
Amount of loan available	You can borrow up to a maximum of £5,000 on this product.
Application/Arrangement Fee	No application or arrangement fees apply.
Other Fees	None.
Default Fees	None.
Repayments	You can repay the loan at any time fully or partially without charge.

All loans are subject to affordability and our lending criteria.

Life Protection

Extended Life Protection is included up to the age of 80. Your loan would be protected up to £5,000, this means that your loan would be cleared, ensuring that your debt does not remain outstanding, subject to terms and conditions. All benefits are paid at the discretion of our Board of Directors. Life Protection is not an insurance policy and is not guaranteed. For more information please click here.

FSCS

Number One Police Credit Union Limited trading as No1 CopperPot Credit Union is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number (FRN) 213301. For details visit http://www.fca.org.uk