Top-Ups can provide extra support when needed, but we also want members to give their existing loan time to reduce before borrowing again.
Be a DCB member with an online account
Have previously borrowed and successfully repaid a DCB loan in full
Be over 18 years old
Provide three month’s recent bank statements with OpenBanking
Agree to a credit check
Have a current account in your own name for loan disbursement
Only apply for the amount you genuinely need and can comfortably afford to repay.
Borrow what you need, not simply what may be available.
If not, please continue repaying your current loan before applying again.
You normally need to repay around £1 for every £3 originally borrowed before another Top-Up can be considered.
Examples:
| If your loan was | Repay around |
| £300 | £100 |
| £600 | £200 |
| £900 | £300 |
This is approximately one-third (33%) of the loan.
We also look at how you have managed your current loan.
Your regular agreed repayments should be made in full and on time, and your loan should be free from arrears.
Making a one-off payment simply to reach the repayment amount does not automatically mean another Top-Up will be approved.
Giving your current loan time to reduce helps keep your borrowing manageable.
It also gives you time to continue building your savings and reduces the need to rely on repeated borrowing.
A maximum of 3 Top-Ups can normally be provided within a rolling 12-month period.
Please give your loan time to reduce between applications.
Submitting repeated applications shortly after receiving a Top-Up is likely to result in the application being declined.
Meeting the Top-Up criteria means we can consider your application.
It does not guarantee another loan.
Every application remains subject to affordability, credit checks and DCB’s lending criteria.
While you’re repaying your loan, you’re also building your Holding Saver.
Regular saving can help you build a financial buffer for unexpected expenses and future plans.
The aim is to gradually build your own savings so unexpected costs don’t always mean needing another loan.
We want your loan to help you today, while your savings help you prepare for tomorrow.
If you’re finding it difficult to manage your loan, bills or other debts, please contact us before stopping your repayments.
We can discuss your circumstances and the support available.
You can call us or you can send us a secure message through the mobile app.
