Our Loans

Whether you’re looking to buy a new car, renovate your home, or consolidate existing debts, our range of loans are designed to meet your unique needs. With competitive interest rates, flexible repayment options.

Need to build your Credit

Struggling with multiple debts? Juggling repayments can be overwhelming, but Derbyshire Community Bank is here to help. Our affordable debt consolidation loans can simplify your finances, combining your existing debts into one manageable repayment.

Time to upgrade your Car?

Buying a vehicle is often our most expensive purchase, so we getting it right is key.

Need to decorate the house?

Whether you need to decorate a bedroom or build an extension, here are our tips for keeping the cost under control

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What type of Loan do you Need?

Whether you’re looking to buy a new car, renovate your home, or consolidate existing debts, our range of loans are designed to meet your unique needs. With competitive interest rates, flexible repayment options, and a commitment to personalised service, applying for a loan with Derbyshire Community Bank is a straightforward and stress-free process.

All loans are subject to affordability checks to ensure repayments are manageable over your chosen loan term

Need a Loyalty Top Up Loan?

Borrow up to £7,500
To be eligible for our Loyalty loan:
  • Must be a DCB member with an online account
  • Have previously borrowed and repaid a DCB loan successfully
  • Must be over 18 years old
  • Supply one month’s recent bank statements
  • Agree to a credit check
  • Have a high street bank account or a DCB account for disbursement of loan

Why borrow from Derbyshire Community Bank? 

  • Loans at 42.6% APR from as little as £100 up to £7,500
  • Make saving effortless by having your Child Benefit paid directly from HMRC to Derbyshire Community Bank. When you take out a loan, commit to saving at least £12 a month – “Save as you borrow”
  • Make the most of your Child Benefit, by having it paid directly to us you can deduct your loan repayment automatically.

  • Repayments to suit you – weekly, fortnightly, four weekly or monthly

  • Support your fellow community by being a Member of Derbyshire Community Bank
  • Simplify your finances by combining overdraft, credit cards and any other borrowing into one simple monthly repayment.
  • Higher Value loans to fund the more expensive things in life, New Home? Home maintenance? Dream Car? 
Loan Reasons

Important Information before Applying!

Only apply for the loan if you are sure you can repay it. You are borrowing your fellow members’ savings, so it is important that you take your commitment to repaying the loan seriously. If you have any difficulty in repaying your loan then contact us immediately. Don’t ignore problems and hope they go away – usually they get worse and are more difficult to resolve.
All loans are subject to status. Eligibility and conditions apply. You must become a member and live or work within Derby or Derbyshire to be eligible to apply.

 

 

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