70+ Loan

Any member of the Credit Union aged 70 or above can apply to borrow up to £5,000, over a maximum term of 36 months.

All loans are subject to affordability and our lending criteria.

Eligibility

✓ All applicants must be aged 70 or over and a UK resident.
✓ Only members of the Credit Union can obtain a loan (you can apply for membership within your loan application if necessary).

Key Product Information

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

Annual Percentage Rate	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 (if available) or Direct Debit.
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.
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.
Other information	This loan is not a regulated consumer credit product. This does not affect your Financial Ombudsman rights.

Loan Calculator

Please note: You must select an amount and term which you want to apply for to proceed with your loan application.

70 Plus Loan Calculator

I would like to borrow:

£

I would like to pay back over:

months

I have been a member for over two years

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: - - -

Please note: You must select an amount and term which you want to apply for to proceed with your loan application.

You’re covered with Life Protection

Extended Life Protection is included up until your 80th birthday. 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 on our extended Life Protection 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.

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