What is a Top-Up Loan?
Already have a loan with DCBank? A Top-Up Loan lets you borrow additional funds on top of your existing DCB loan, giving you access to extra money without applying for a completely new loan.
You can apply for a top-up once you have repaid approximately one-third (33%) of your original loan. For example, if your loan was £500, you could request a top-up after repaying around £167.
To apply for a Loyalty Top-Up Loan, you must:
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Be a DCB member with an online account
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Have previously borrowed and successfully repaid a DCB loan in full
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Be over 18 years old
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Provide three month’s recent bank statements with OpenBanking
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Agree to a credit check
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Have a current account in your own name for loan disbursement
Loan Amount
Top-Up Rules/Criteria
- A top-up can be requested once 1/3 of your current loan has been repaid
- Maximum 3 top-ups are allowed within a rolling 12-month period
By offering a Top-Up Loan, we make it easier for our members to access extra funds while keeping repayments manageable.
