Personal loans to help with your borrowing needs

Loan Products

Family Loan (new & existing members)

Borrow up to £500 – online applications only

To be eligible for our Family loan you must be:

• Be in receipt of Child Benefit and agree to have it paid into your Derbyshire Community Bank Account
• Be over 18 years old
• Provide proof of child benefit
• Have a high street bank account or a DCB account for disbursement of loan
• Apply here:
  • Not a member – Click here to apply if you are not a member,
  • Existing member – click here if you are an existing member.

Click here for our Family Loan FAQ

Starter Loan (new to DCB) 

Borrow up to £3,000

To be eligible for our Starter loan you must be:

• New to DCB so join & apply on-line now
• 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

Loyalty Top Up Loan (existing members)

Borrow up to £7,000

To be eligible for our Loyalty loan:

• MUST be a DCB member – register for a ‘new’ on-line account and apply on-line now
• 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

Features and Benefits of all our loans:

• Loans from as little as £100
• 42.6% APR
• Easy to apply and decisions within 1-2 days
• No hidden charges or fees or early repayment penalties
• Repayments to suit you – weekly, fortnightly, four weekly or monthly.

Loan reasons:

There are many reasons why someone might need a loan which include:

• new white goods
• Christmas
• debt consolidation
• car purchase or repairs
• house improvements or new furnishings

Important information

Ideally you must live or work in Derbyshire to apply. However we do have some members who live in neighbouring counties like East Staffordshire.

Only apply for the loan if you are sure you can repay it.  You are borrowing your fellow member’s 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.  Ideally you must work or live in Derbyshire.

Full guide to the use of your information