Borrowing is a serious commitment. Our loans are designed to help you manage life’s expenses, whether for home improvements, a holiday, or bills — but they must be taken responsibly.
Before applying, be clear about the purpose of your loan. Borrowing without a plan can lead to unnecessary stress. Make sure the money will be used wisely and that you can manage the repayments.
When you take a loan, you’re borrowing from the savings of your fellow members. This is a serious responsibility. Only apply if you are confident you can meet the repayment schedule. Responsible borrowing keeps our community strong.
If you run into difficulties, contact us immediately. Ignoring missed payments will only make the situation worse. We are here to help you find solutions, but you must take action early. Learn more about Missed Payments.
All loans are subject to status, and eligibility criteria apply. You must be a member and live or work within Derby or Derbyshire to apply. Before proceeding, make sure you understand our Loan Terms & Conditions and how we conduct Our Loan Assessment.
Borrowing responsibly is not optional, it protects you, the community. At Derbyshire Community Bank, we are committed to helping you make safe and sensible financial choices.
