Loan Application page

personal loans derbsyhire

Criteria for lending

You must live or work in Derbyshire to be eligible to apply.

We will NOT lend in the following circumstances:

  • bankrupt,
  •  IVA, DRO, or debt management programme or considering any of these,
  • bad payment history with us (unless we are aware of any mitigating circumstances which have now been resolved),
  • insufficient income (applicant only receiving JSA)

We also require:

  • one months bank statements which should be your latest copy – we cannot process your loan without this
  • proof that any recent CCJ’s over £500 are being addressed.
  • we may also ask for proof of employment

How long will it take?

Loan decisions are sent by text within 2 working days however this can be longer during busy periods like Christmas. If you’ve not heard from us within 1 week then give us a call on 01332 348144.

If you get an error message, make sure you’ve completed every box and check for any error messages under each box.  Then send again.  You will get a green successful submission message once submitted successfully.

Loans in Derby Application

Note: ALL fields marked with an "*" are mandatory.

Title*

First Name*

Surname*

Date of Birth*

NI Number*

NOK (adult not living at same address)*

Any pre-existing medical conditions*

Address Details

House number & street name*

Town*

City*

Postcode*

Home Status*

Time at address*
Years
Months

If your time at your current address is less than 3 years, please provide your previous address below:

House number & street name*

Town*

City*

Postcode*

Home Status*

Time at address*
Years
Months

If your time at your current address is less than 3 years, please provide your previous address below:

House number & street name*

Town*

City*

Postcode*

Home Status*

Time at address*
Years
Months

Additional Details

Home Telephone*

Mobile Telephone*

Email Address*

No. of dependants*

Income Details

Work Status*

Name of Employer*

Full address of Employer*

Tel. number of Employer*

Income Frequency*

Salary/Wage amount*

Partners Income*

Benefits*

Pension*

Other*

Expenditure Details

Expenditure frequency*

Rent/Mortgage*

Council Tax*

Electricity*

Gas*

Telephone*

Groceries*

Catalogues*

Credit Card(s)*

Hire Purchase*

Car*

Other Loan(s)*

Fares/Petrol*

Clothing*

Pension*

Savings*

Home Insurance*

Car Insurance*

Life Insurance*

Entertainment*

Other (specify)

Total Expenditure*

Income minus expenditure*

Loan Requirements

Loan Value*

Repayment frequency*

Loan Term*

Loan Purpose*

If other, please state:

How do you want your loan paying to you?*

Declaration

I submit this application for a Credit Union Personal Loan and declare that the information that I have supplied is true and accurate. I also authorise you to make any enquiries you feel necessary for confirmation of the information contained in this application and for the purpose of credit assessment and affordability. This could include enquiries to substantiate details of income and expenditure that have been declared including contact with your employer and/or Landlord. Any agreement to provide the loan to which this application relates will be constituted as a credit agreement being signed by me and the credit union in accordance with the consumer credit act 1974; and that you may disclose information about me for the purposes of this application to other Credit Unions and their employees and agents for debt recovery purposes.

I understand that it is a criminal offence to obtain credit by deception, which can include the deliberate omission or creation of information within this application form.

I also understand that failure to maintain regular payments as required against my loan will resulting in action being taken to recover the monies outstanding.

I understand that I must save the compulsory minimum of £1 per week / £4 per month in a ‘Holding Savers’ account. I understand the savings in this account is secured against my loan.

I understand I may be asked for additional information such as bank statements to enable a decision to be made on my loan application.

I accept that if my loan is approved I will need to sign up as a Member and maintain a £1 share as my running balance in my main account.

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