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 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. We’re proud to offer great products to all ages.


70 Plus Loan

per month
£ - - -
- - - %
£ - - - per month
- - - months
£ - - -
£ - - -


Key Product Information

All applicants must be aged 70 or over and a UK resident. 

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.
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.

Loan terms and conditions can be found here and should be read prior to application.

This loan is not a regulated consumer credit product. This does not affect your Financial Ombudsman rights.


You’re covered with Life Protection

Extended Life Protection is included up to the age of 80. This does not cost you anything, it is simply another benefit of borrowing from the Credit Union and has been created purely to help our members.

Loans are protected up to a maximum of £40,000 per member. This means your loan would be cleared, ensuring your debt does not remain outstanding, subject to our 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.

Additional Borrowing

If you have an existing loan with us and want to borrow extra, there are two options available. Click here to see more information.

Need help?

If you are experiencing financial difficulty, or are struggling to repay your loan with us, please contact us as soon as possible and a member of our team will be able to assist you.