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Spring Loan Offer

18th - 31st March 19

12.6% APR on new loans between £1,500 - £3,000

A personal loan from us is one of the easiest and most convenient ways to save money in interest repayments. We do loans for a wide range of purchases including home improvements, holidays or weddings. From the 18th – 31st March we are offering you an even better rate on all new loans between £1,500 - £3,000. Check out our loan calculator slider and see how much you can save every month and overall on the loan interest.

  • Fixed discounted interest rate for full course of loan
  • Save up to £330 when compared to other lenders
  • No hidden fees - we won't charge you for early or additional repayments
  • Quote Spring19 on loan application

How does it work?

 It is easy to apply

1. All you have to do, is complete an Online joining form, and pay your membership fee by PayPal or debit card by calling the office on 03336 000690.  

2.  Just answer a few short questions on our Online loan form and include SPRING19 in the promo box. We aim to have a decision to you within 3 working days. 

3.  Set up standing order or repayments from your wages. You can repay via standing order or we can deduct the agreed amount from your wages every month. 

You can join us online and apply for the loan the same day, all on our website. If you would prefer to do it on paper, you can also download the Membership application form, and Loan application form. Complete all the details then return it to us. 

You may you need to provide proof of your income:

  1. Payslips/proof of benefits for last three months
  2. Bank statements for the last three months
  3. Information on all existing loans, credit cards and other debts.

Note: Loan repayments are due during the whole term of the loan. Failure to make scheduled loan repayments will lead to arrears action and may affect your credit history.


How do I apply?
Once you have joined ESLCU you can apply for a loan between £1,500 - £3,000 online. You do not need online access, just follow the below link. Remember to include SPRING19 in promo box to be considered for the special interest rate. As with any loan, the loan amount you are offered may differ from that which you applied for depending on your personal circumstances.

How long does it take for decision on a loan?
We aim to process all applications within 3 working days and we'll send you a confirmation email once we've done it. Please note that if your application is approved you will need to set up a standing order or salary deduction before we will release the loan

My loan has been approved, how long before I receive funds into my account?
If you loan is approved, you will need to sign a loan agreement. We will release the funds the same day we received the first repayment (this will stay in your account available for you to withdrawal) and have the signed loan agreement back.

What if I already have a loan with you?
This special interest rate is only available for new loans between £1,500 - £3,000.

When can I top up my Special rate loan?
Yes, when you are half way through repayments, you can apply for a “top up” loan. Please note your new loan will not be at the special interest rate. The amount we lend you will depend on your income and expenditure and passing a credit check.

Can I repay early?
Yes, if you want to pay back your loan early - that's all good with us. And, don't worry we won't charge you any early repayment fees.

Are there any Fees?
We don't charge any set-up or early repayment fees. There are also no admin charges to repay your existing debts. We do have a weekly membership fee of 25p for membership to the Credit Union.

                   If you can't find the answer here, please get in touch and we'll be happy to help