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Whether you’re planning home improvements, buying a new car, or looking to consolidate existing borrowing, Derbyshire Community Bank offers affordable loans tailored to your needs. With competitive rates, flexible repayments, and friendly local support, we make borrowing simple, transparent, and stress-free.
All of our loans include a Holding Saver Account, helping you build savings while you borrow and supporting long-term financial wellbeing. We believe saving is just as important as borrowing, which is why we encourage every member to develop positive financial habits while working towards their goals with confidence.
We take our responsibility to our members and community seriously. As a responsible lender, our goal is to provide fair and affordable credit that supports, rather than strains, your financial wellbeing.
We carefully assess every loan application to ensure that repayments are affordable and manageable over the full term of the loan.
This means all loan applications are subject to checks on affordability and repayment capacity checks, helping us make sure that borrowing is sustainable and suited to each member’s circumstances.
To qualify for our Loyalty Loan, you must:
Our Holding Saver helps you establish a habit of saving and ensures you have funds set aside for future needs. Saving while repaying your loan, this helps you build habits that last, giving you more peace of mind.
We have a special savings account called a Holding Saver. It’s not a typical savings account you dip in and out of — instead, it’s a secure place where money is held while it’s linked to your loan.
The Holding Saver is designed to support your loan. It ensures
Your repayments are processed smoothly.
Any linked savings (such as Save as You Borrow) are held securely until your loan is fully repaid.
You build up a small savings pot alongside your borrowing, which becomes available once the loan is cleared.
Click below to read more about our Holding Saver Account.
Holding Saver AccountMake 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
Understand what you are borrowing for – home improvements, holiday, bill payments or something else. Your loan is there to spread the costs and improve life.
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.
Loan Terms & Conditions Missed Payments
