You can join and apply for a loan at the same time, by clicking on the 'Apply Now' button. You will need to complete your sign-up and pay your membership fee, before we can issue a loan to you, so look out for our emails and post and reply as soon as you can.

No. Our Progress Loan does not require you to build up savings before you apply.

You can still apply even if your credit history is poor. We consider all applications on an individual basis. Generally if you have poor credit, approval rates are higher on our savings based loans, so it may be worth building some savings with us. This helps show you can maintain regular payments as well as providing some security against the loan. Also just apply for what you need, as larger value applications are less likely to be successful.

Yes! We accept employment income and benefit income. As long as you receive a minimum of £500 per month in total, and can supply proof of all of your income.

Our Progress Loan allows you to top-up once a third of the balance has been repaid. For example if you have a loan of £300, you will need to repay at least £100 before applying for a top-up.

Yes. We offer a paper loan application. You can request one by calling our telephone helpline or emailing our admin team. We will then send your loan application in the post. Alternatively you can collect one from our office.

Alongside your application form, we will also need the following:

• Your most recent three months' bank statements.
• If you receive Universal Credit, a copy of your payment breakdown, showing the elements you receive and any deductions.
• If you are Self-Employed, a copy of your most recent self-assessment tax return, or a letter from your accountant confirming your income.
• If you have any other income not shown on your bank statements, proof of income - such as a wage slip if you are paid in cash, or letters for any benefits or pensions.